How much is car insurance for a 16-year-old boy?

Car insurance for a 16-year-old boy costs about $279 per month, on average—or $3,343 per year. Male drivers who are 16 years old pay more for car insurance than older drivers because they have less experience and tend to make riskier choices behind the wheel. Teenage male drivers also pay around 10% more for car insurance than their female counterparts, since teenage males are more likely to cost insurers money.

Cost of Car Insurance for a 16-Year-Old Boy vs Other Ages

Due to the prohibitive cost of car insurance for teenagers, you should try to take advantage of as many discounts as possible and consider a family plan instead of a solo teenage policy.

Discounts for Teen Drivers

There are a handful of discounts that apply specifically to teens, including the good student discount and the student-away-at-school discount. Teenagers can take advantage of general car insurance discounts as well. For example, teens can get discounts for taking an approved defensive driving course or staying accident-free for a certain period of time.

Adding a Teen to Your Policy 

Adding a teenager to a family policy will raise premiums for everyone—by an average of 208%. But adding a separate policy for a teenager to go along with an existing policy would cost even more overall.

To learn more, check out WalletHub’s guide to the cheapest car insurance for teens.