Today we have got a question in our comment section and he was asking “how much is car insurance for a 16 year old”.

A 16 year old boy or girl feels the excitement when he / she try to drive a car by his/ her own. But in the background there is also a fear works as they are very inexperienced about the road. So insurance is a must for them. But when you go to contact the insurance companies to know that how much is car insurance for a 16 year old then you can be awestruck with the amount they charge.

We should not blame the insurance companies for this huge bill. It has been historically proved that the teenager or 16 to 18 year old people are more prone to excitement and also to accident. Most of the accident cases happen in the hand of the amateur drivers. So the insurance companies don’t leave the opportunity to loose and make huge cash of it. There are other factors also that control these premiums like vehicle type, age of the vehicle, use of the vehicle, type of the coverage you are applying for etc. Sex is also plays a great part while determining the premiums. A girl will cost less than the boy as boys are more prone to accident. In US state wise the premium differs for better idea you can check the free online insurance quotes available in the webs. The quotes can make you understand what factors are costing you more and which make less.

If you child is a brilliant student then he or she can get 15-20% discount also in premiums. But before signing in the form make sure that the insurance company is a reputed company and is not going to cheat you in case of emergency.