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Auto Insurance Rates for New Teenage Drivers Las Cruces NM

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
1129 N Willow St
Las Cruces, NM
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Allstate - Jodi-Rae Moore
(575) 224-2980
1065 S. Main St., Suite A
Las Cruces, NM
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Gandara Jr- Gus - State Farm Insurance Agent
(505) 527-1300
2500 El Paseo Road Ste A
Las Cruces, NM
 
Farmers Insurance Group
(505) 526-8900
1977 Bridger Avenue
Las Cruces, NM
 
Vasey- Alan D - State Farm Insurance Agent
(505) 521-1011
1021 East Amador Avenue Ste G
Las Cruces, NM
 
Allstate Auto Insurance
(888) 355-7971
170 S Roadrunner Pkwy
Las Cruces, NM
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
850 Holly Dr Trlr A19
Las Cruces, NM
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Larry O Garcia
(505) 541-5870
2990 N Main St
Las Cruces, NM
 
Agency Of Stanford Locke
(505) 523-8808
A Suite
Las Cruces, NM
 
Griego- Richard Gary - State Farm Insurance Agent
(505) 523-2451
2001 East Lohman Avenue Ste 112
Las Cruces, NM
 

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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