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Auto Insurance Rates for New Teenage Drivers Fort Collins CO

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
1296 Main St Unit B
Windsor, CO
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Shelter Insurance
(970) 221-2105
412 South Howes Street Suite A1
Fort Collins, CO
Farmers Insurance & Financial Services
(970) 224-4069
125 South Howes Street
Fort Collins, CO
Allstate Insurance - Jane Landwehr
(970) 206-4740
1027 W. Horsetooth Rd. Suite 202
Fort Collins, CO
Herbert Leavitt Insurance Agency Inc
(970) 484-0097
2537 Research Boulevard Suite 101
Fort Collins, CO
Farmers Insurance
(970) 229-1592
5225 White Willow Drive
Fort Collins, CO
Daryl Alexander Ins Agcy Inc - State Farm Insurance Agent
(970) 493-2196
1124 West Mulberry Street
Fort Collins, CO
New York Life Insurance Company - Sales Office
(303) 623-0248
215 West Magnolia Street Suite 200
Fort Collins, CO
Liberty Mutual Group
(970) 493-6546
2100 West Drake Road Suite 7
Fort Collins, CO
Bailey- Barry B
(970) 493-2323
902 W Drake Rd
Fort Collins, CO

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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