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Auto Insurance Rates for New Teenage Drivers La Fayette GA

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
100 W Walnut Ave Ste 12
Dalton, GA
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Loach Gene Insurance
(706) 638-2542
200 West Patton Street
La Fayette, GA
Herndon- Michael
(706) 375-7970
8010 N Highway 27
Rock Spring, GA
Flegal Insurance Inc
(706) 857-5552
23 Georgia Avenue
Summerville, GA
Agency Service Group Inc
(706) 857-3494
10 Georgia Ave
Summerville, GA
Gayler Insurance Agency Inc
(706) 638-4340
324 South Duke Street
La Fayette, GA
Allstate Insurance Companies
(706) 861-4412
16 McDonald Drive
Chickamauga, GA
Guffin & Eleam Inc
(706) 857-3494
Po Box 340
Summerville, GA
Advanced Insurance Services
(706) 866-3944
418 Alamar Street
Fort Oglethorpe, GA
Gayler Insurance Agency Inc
(706) 857-6521
11544 Highway 27
Summerville, GA

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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