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Auto Insurance Rates for New Teenage Drivers West Des Moines IA

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
4505 SW 9th St
Des Moines, IA
Description
Safe Drivers Save 45% or more on Auto Insurance. Call Allstate Now!
Phone Hours
SUN - SAT 12:00AM - 12:00AM

Hinkle Kim
(515) 224-9498
4800 Mills Civic Pkwy
West Des Moines, IA
 
Goodwin- Carolyn K - State Farm Insurance Agent
(515) 226-1234
6750 Westown Parkway Ste 140
West Des Moines, IA
 
A-1 Insurance
(515) 440-0829
8421 University Boulevard Suite G
Clive, IA
 
Allstate Insurance - Betty Bebout
(515) 225-6401
3636 Westown Parkway Suite 204
West Des Moines, IA
 
Freeman- Charles E
(515) 225-0040
5000 Ep True Pkwy
West Des Moines, IA
 
State Farm Insurance
(515) 225-9663
5208 Boulder Drive
West Des Moines, IA
 
Joynes- Robert P - State Farm Insurance Agent
(515) 224-6062
4150 Westown Parkway Ste 305
West Des Moines, IA
 
Barnes- Richard A
(515) 226-9956
13435 University Ave
Clive, IA
 
American Family Insurance
(515) 440-2646
5500 Westown Parkway Suite 180
West Des Moines, IA
 

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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