Car insurance for 16 year old California Reddit

Car insurance for a 16-year-old in California costs $2,534 per year, on average—or about $211 per month. Car insurance for teenagers is far more expensive than coverage for older, more experienced drivers due to teenagers' proclivity for risky driving and relative inexperience behind the wheel.

Yes, a 16 year-old can purchase their own car insurance policy. However, along with it being more expensive, there will likely be an extra step in the process. They'll probably need to have a parent approve or cosign the agreement, as minors can't sign legally binding contracts.

An 18-year-old driver can expect to pay less for car insurance than younger, less experienced drivers. However, drivers under the age of 25 tend to have higher insurance rates because they are more likely to make mistakes and cause accidents.

Insurance companies use factors like accident statistics when citing rates for young drivers, and the younger the driver, the more likely they're going to get in an accident. Therefore, 19-year-olds pay higher rates than many older drivers, but there are still some strategies you can use to help save money.