How does car insurance work for a 16-year-old?
Most commonly, car insurance for a 16-year-old works by the parent adding the teen to their insurance policy. The cost of insurance is usually higher for younger drivers because they are considered to be more risky. The insurance company will look at factors like driving record, type of car, and location to determine the cost. It is important for the teen to drive safely and follow all traffic laws in order to keep their insurance rates low, but if the teen gets into an accident, the insurance company will help cover the cost of damages.
