Leif Olson, Car Insurance Writer
@leif_olson_1
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.
The cheapest car insurance company for 16-year-olds in California is Wawanesa, which charges an average of $1,287 per year. But you may be able to find an even cheaper option for you personally by comparing multiple companies.
Cheapest Car Insurance for a 16-Year-Old in California
| Company | Average Premium |
| $1,287 per year | |
| $1,372 per year | |
| $1,544 per year | |
| $1,581 per year | |
| $1,776 per year |
Note: Rates are an approximation based on a 16-year-old driver with minimum coverage in California. Actual rates will vary.
You can lower the premiums for teenage drivers by seeking out car insurance discounts. Some of the insurance discounts available from companies in California include good student, safe driver, and student away at school discounts.
If the cost of car insurance for a 16-year-old is still too high, you might want to consider adding them to an existing policy. While adding a teen to a family policy will raise everyone's rates a little, it will be nowhere near as expensive as purchasing the policy separately.
If you are in the market for a policy and want to start your search, you can begin by checking out WalletHub's guides to the best car insurance for teens and the cheapest car insurance for teens.
People also ask
What is the cheapest car insurance for a 16-year-old?
The cheapest car insurance for a 16-year-old is from Travelers, GEICO, and USAA. These companies charge the average 16-year-old driver as little as $1,372 per year for minimum coverage, while the average car insurance company charges 16-year-olds around $2,534 per year.
Cheapest Car Insurance Companies for 16-Year-Old Drivers
| Company | Average Minimum Coverage Rate | Average Full Coverage Rate |
| $1,372 per year ... | $5,725 per year |
How does car insurance work in California?
California is an at-fault state, which means the at-fault driver is responsible for paying for everyone injured in the accident. Drivers in California are required to carry at least $15,000 in bodily injury liability insurance per person ($30,000 per accident) and $5,000 in property damage liability insurance. There are no restrictions on the right to sue after an accident in at-fault states, even if the insured buys personal injury protection (PIP)
Average Cost of Car Insurance in California
read full answer by Anamarie Waite, Car Insurance WriterWhat is the cheapest full coverage car insurance in California?
Wawanesa has the cheapest full coverage car insurance in California, charging an average of $160 per month or $1,918 per year. This is cheaper than the $4,556 per year drivers pay for full coverage in California on average.
Cheapest Full Coverage Car Insurance in California
- Wawanesa: $160 per month or $1,918 per year
- USAA: $234 per month or $2,802 per year
- Auto-Owners: $239 per month or $2,865 per year
- GEICO: $241 per month or $2,886 per year
- Esurance: $264 per month or $3,166 per year
Note: Premiums are for a good...
read full answer by McKayla Girardin, Car Insurance WriterDid we answer your question?
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