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Auto Insurance Rates for New Teenage Drivers Kalispell MT

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
1103 S Main St
Kalispell, MT
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
913 WISCONSIN AVE STE 101
Whitefish, MT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

State Farm Insurance CO
(406) 756-5500
111 1st Avenue East
Kalispell, MT
 
Jan O'Brien Insurance Agcy Inc - State Farm Insurance Agent
(406) 257-7714
278 5th Avenue West North
Kalispell, MT
 
Colin C Andrews Ins Agency Inc - State Farm Insurance Agent
(406) 752-2116
445 Main Street
Kalispell, MT
 
Allstate Auto Insurance
(888) 355-7971
110 Nucleus Ave Ste F
Columbia Falls, MT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Blue Cross Blue Shield of Montana - HMO Montana
(406) 752-6367
240 West Idaho Street
Kalispell, MT
 
State Farm Insurance Compani
(406) 752-3616
1108 South Main Street Suite 3
Kalispell, MT
 
Adam- Conrad W - State Farm Insurance Agent
(406) 755-3122
1108 South Main Street Ste 3
Kalispell, MT
 
Tinseth & Associates Inc
(406) 752-8576
750 North Meridian Road
Kalispell, MT
 

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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