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Auto Insurance Rates for New Teenage Drivers Detroit Lakes MN

How to get the cheapest auto insurance rates for 16 year old male drivers and other teenage drivers. Car insurance is expensive but there are ways to minimize the cost if you know how.

Keith Inwards Ins Agency Inc - State Farm Insurance Agent
(218) 847-1353
710 Washington Avenue
Detroit Lakes, MN
 
Greg Hildenbrand Ins Agcy Inc - State Farm Insurance Agent
(218) 847-4166
624 Lake Avenue
Detroit Lakes, MN
 
Jeff Morgan Ins Agcy Inc - State Farm Insurance Agent
(218) 863-2841
15 West Mill Street
Pelican Rapids, MN
 
Allstate Auto Insurance
(888) 355-7971
8717 Baxter Way
Inver Grove Heights, MN
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
57936 175th St
Rose Creek, MN
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Gerber- Brent V - State Farm Insurance Agent
(218) 844-6955
710 Washington Avenue
Detroit Lakes, MN
 
State Farm Insurance CO
(218) 847-7018
710 Washington Avenue
Detroit Lakes, MN
 
Winjum- Edward C
(218) 346-7855
411 3rd Ave SE
Perham, MN
 
Allstate Auto Insurance
(888) 355-7971
2626 E 82nd St
Bloomington, MN
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
7901 Flying Cloud Dr, #228
Eden Prairie, MN
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Auto Insurance Rates for New Teenage Drivers

Since 16 year old teens cannot legally sign contracts, including car insurance agreements, they typically get insurance coverage by being added to their parents' existing auto insurance policy. Until they are 18 years old, teens cannot buy their own insurance.

If a teen is added as a occasional driver for an existing family car that is also driven by other family members, rates will be much lower than if the he/she is a primary driver on his/her own car. The cost of adding a driver to an existing family car insurance policy is always cheaper than taking out a separate policy.

Adding a 16 year old male teenager to a family's car insurance could easily double the cost. The exact amount of the cost increase depends on a number of factors, which we'll discuss in a moment.

Teens and their families often are tempted to try and avoid the higher cost by listing a teen as an occasional driver when they are actually a primary driver, or simply not listing the teen at all. It may seem that the scheme is working for a while — until the first time the teen is involved in an accident or receives a traffic ticket. If an accident is the teenager's fault, the insurance company has a right to deny any claims resulting from the accident, which could be financially devastating if damages and injuries are extensive. Furthermore, the company would likely cancel the family's insurance. Auto insurance companies are not dumb. They've seen every trick in the book.

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