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Auto Insurance Rates for New Teenage Drivers Logan UT

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
21 South Main
Smithfield, UT
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Ward- Mondell K - State Farm Insurance Agent
(435) 750-0900
232 South Main Street
Logan, UT
 
State Farm Insurance - Claims Service Centers
(435) 792-6620
233 North Main Street
Logan, UT
 
David B Allen Ins Agency Inc - State Farm Insurance Agent
(435) 752-7556
150 East 400 North
Logan, UT
 
New York Life Insurance Agency - John Willis
(435) 752-7830
1360 East 2100 North
Logan, UT
 
Farmers Insurance Bruce King Agency
(435) 753-6700
64 East Center Street
Logan, UT
 
The Logan Insurance Agency
(435) 752-4044
491 North Main Street
Logan, UT
 
Allstate Insurance - Jane Robinson Larsen
(435) 753-1923
87 W Center St
Logan, UT
 
Lana Powell Insurance Agy Inc
(435) 752-7639
550 N Main St
Logan, UT
 
Ronald V Brown Insur Agcy Inc
(435) 752-8444
40 W Cache Valley Blvd
Logan, UT
 

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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