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Auto Insurance Rates for New Teenage Drivers Texarkana AR

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
4303 Texas Blvd
Texarkana, TX
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
4115 N Kings Hwy
Texarkana, TX
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Martin Richard Insurance
(870) 774-3491
3515 Jefferson Avenue
Texarkana, AR
 
Cogbill Stacy
(870) 774-3491
3515 Jefferson Avenue
Texarkana, AR
 
Oubre- Mark W - State Farm Insurance Agent
(870) 772-2388
1305 Arkansas Boulevard Ste 101
Texarkana, AR
 
Allstate - Brian Purtle
(866) 607-4854
3301 Richmond Rd
Texarkana, TX
Description
Safe Drivers Save 45% or More. Call Your Local Allstate Agent Today. Quick and Easy!

Allstate Auto Insurance
(888) 355-7971
151 W Commerce St
Ashdown, AR
Description
Safe Drivers Save up to 20% on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Farmers Insurance Group
(870) 772-8454
3605 Jefferson Avenue
Texarkana, AR
 
New York Life Insurance Company
(870) 772-2468
8000 State Line Plaza
Texarkana, AR
 
Rutledge Charles Tarleton
(870) 774-3491
3515 Jefferson Avenue
Texarkana, AR
 

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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