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Auto Insurance Rates for New Teenage Drivers Hastings 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.

Allstate Auto Insurance
(888) 355-7971
7430 80th St S
Cottage Grove, 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
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
5300 S Robert Trl Ste 450
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

Vermillion Insurance Agency
(651) 437-7775
255 33rd Street West
Hastings, MN
 
Steve Johnson Ins Agcy Inc - State Farm Insurance Agent
(651) 437-7255
121 2nd Street East
Hastings, MN
 
Allstate Auto Insurance
(888) 355-7971
14555 S Robert Trl Ste 105
Rosemount, 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
6775 Cahill Ave
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 - Tom Baecker
(612) 217-4925
373 Pedersen St. Ste. 104
Saint Paul, MN
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Baker Yvonne A
(651) 437-7775
255 33rd Street West
Hastings, MN
 
Zeien- Debra A
(651) 437-8330
2137 Vermillion St
Hastings, MN
 

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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