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Auto Insurance Rates for New Teenage Drivers Salem MA

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
225 Franklin St
Boston, MA
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Barry S Logue Insurance Agency
(978) 922-2310
7A Dodge Street
Beverly, MA
William J Lynch Insurance Agency- Inc.
(978) 750-0044
44 Maple Street Suite 2
Danvers, MA
Liberty Mutual Group - Personal Claims
(978) 774-0300
222 Rosewood Drive
Danvers, MA
Herschede Insurance Agency
(978) 750-1837
2 McDewell Avenue
Danvers, MA
Knight Thos B & Co Ins Agcy Inc
(978) 744-6500
27 Congress St
Salem, MA
Thomas St Jean Insurance
(978) 531-8053
106 Lynn Street
Peabody, MA
Columbia Insurance Agency Inc
(781) 598-5000
1 Munroe Street
Lynn, MA
MB Modugno Insurance Agency
(781) 595-6758
38 Brookline St
Lynn, MA
Circle Insurance Agency Inc
(978) 777-7030
247 Newbury Street
Danvers, MA

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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