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Auto Insurance Rates for New Teenage Drivers Fayetteville AR

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.

Allstate Auto Insurance
(888) 355-7971
121 W Township Ste14
Fayetteville, AR
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate Auto Insurance
(888) 355-7971
1814 N Crossover Rd
Fayetteville, AR
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Brad Scott Ins Agency Inc
(479) 443-0052
2020 E Joyce Blvd
Fayetteville, AR
 
Ben Owens Shelter Insurance
(479) 444-8453
962 East Rolling Hills Drive
Fayetteville, AR
 
Mark Charles Seifert Agency
(479) 443-5050
3159 E Mission Blvd
Fayetteville, AR
 
Allstate Auto Insurance
(888) 355-7971
1012 N Garland Ave
Fayetteville, AR
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Floyd- Larry E - State Farm Insurance Agent
(479) 442-5000
2514 East Mission Boulevard
Fayetteville, AR
 
James M. Bryan Agency
(479) 443-1664
18 E Township St
Fayetteville, AR
 
Larry Bittle Ins Agcy Inc
(479) 521-6505
2786 N College Ave
Fayetteville, AR
 
Andrews Jr- Darryl D - State Farm Insurance Agent
(479) 442-6784
2031 North Green Acres Road
Fayetteville, AR
 

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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