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I’m 16-19 years-old, currently insured, with a clean driving record.

If you are a driver between the ages of 16 and 19 you will be faced with higher insurance rates than drivers over the age of 25. If you are already insured and you want to keep the policy, work hard to keep your rates as low as possible. Here are some tips for keeping your rates down whether you are insured or still shopping around:

  • Drive responsibly – Speeding tickets, accidents, and other traffic violations will affect your rates.
  • Drive a safe vehicle – Driving a car with standard safety features such as anti-lock brakes and airbags will reduce your risk of accident and injury and, therefore, your cost.
  • Establish good credit – Insurance companies want to insure people who are responsible both on and off the road. Pay your bills on time and your efforts will be reflected in your rates. Don’t have a credit history? Maybe it’s time to start building good credit.
  • Discounts – Ask about them! Every company is different but some offer discounts for being a good student, low mileage driving, and even for volunteering.

I’m 16-19 years-old, not currently insured, with a clean driving record.

You may wonder why rates are so high for young drivers. What’s so special about turning 25 that lowers insurance rates? Actually, there are a variety of reasons for the higher rates based on tons of data. For one thing, your age group hasn’t been driving long enough to prove yourselves responsible drivers. Another factor is the number of motor vehicle crashes young drivers are involved in. According to the Rocky Mountain Insurance Information Association, 16-year-olds have a higher crash rate than any other age group. Your gender will also affect your rates. In 2009, two of every three young drivers killed in a motor vehicle crash were male. This statistic tells insurance companies that males are more risky drivers and the rates for males are adjusted accordingly.

I’m 16-19 years-old with an accident(s) on my record.

Being involved in an auto accident will always affect your insurance policy. Every company has different regulations when it comes to accidents, but some factors remain consistent. If the accident is determined to be your fault expect a significant increase in your premium. This is especially true if the accident was the result of a moving violation such as speeding or running a red light. If you are shopping for a new policy with an accident on your record you should know that an accident can stay on your driving record for three to five years. Be prepared to be turned down by several companies and expect a very high premium when a company does decide to take a chance on you.

The number of claims you’ve previously filed will also affect your rate following an accident. More claims mean you are labeled as a high risk driver, so decide wisely before filing a claim. Insurance companies can legally drop your coverage if you reach a certain quota of claims. 

I’m 16-19 years-old with a DUI or a current suspended license on my record.

Since it is illegal to drive with a suspended license most companies will not insure you while yours is in a suspended state. You do have the option to apply for a hardship license which will allow you driving privileges to and from work or school only. However, your insurance will inevitably increase and the reason for the suspension will have an impact on your rate.

Receiving a DUI is a much more serious matter when auto insurance is concerned. Your rate will be affected for three to five years and can quadruple in price. Some companies will even drop your coverage upon arrest for a DUI, and finding another insurance company will be incredibly difficult. If you receive a DUI and are underage the penalties are even stiffer. Your driving privileges will be revoked for at least 90 days or as long as three years. No license means you won’t have insurance, and this will lead to a lapse in coverage. Obtaining a policy following a lapse in coverage is difficult because insurance companies question why you were not driving.

I’m 16-19 years-old and need motorcycle insurance.

If you are a young driver looking for motorcycle insurance you will encounter more difficulty finding a competitive rate than you would for a vehicle policy. Some states won’t even insure motorcycle drivers if they are under the age of 21. The reason behind the high rates and stiffer regulations is statistics. Motorcycle riders of any age are more likely to drive faster. According to Traffic Safety, 37% of fatal motorcycle crashes involved speeding compared to 23 percent of similar crashes involving vehicles. That combined with the an already-inexperienced new driver means sky-high rates.