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Auto Insurance Rates for New Teenage Drivers Sioux Falls SD

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
824 E 41st St
Sioux Falls, SD
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Prins Insurance Incorporated
(605) 332-5300
5517 North Cliff Avenue
Sioux Falls, SD
 
Neuharth- Stuart R - State Farm Insurance Agent
(605) 339-2999
3823 South Western Avenue
Sioux Falls, SD
 
Arndt- Ronald C
(605) 339-4224
603 W 41st St
Sioux Falls, SD
 
American Family Insurance Jeffrey Wilber
(605) 331-3001
1808 South Southeastern Avenue
Sioux Falls, SD
 
Allstate Auto Insurance
(888) 355-7971
6009 W 41st St
Sioux Falls, SD
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Bechtel David & Don Insurance
(605) 336-6227
232 East 12th Street
Sioux Falls, SD
 
Wingert Insurance Inc
(605) 333-0133
2010 South Minnesota Avenue
Sioux Falls, SD
 
Durnil- Jason L
(605) 332-1278
1708 W 41st St
Sioux Falls, SD
 
State Farm Insurance Companies - Fire and Casualty Claim Office
(605) 330-7350
3800 South Kiwanis Avenue
Sioux Falls, SD
 

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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