Best Cheap Auto Insurance for 16 Year Olds in West Virginia

The words “low-priced” and “insurance” probably shouldn’t be used together, specifically when you are trying to find the lowest insurance rates for 16 year olds. In an attempt to save some money, let’s start the ball rolling by going over some things that have an effect on auto insurance rates, and find out if we can help you cut the cost of your next policy.

Trying to find affordable auto insurance is not the easiest thing to accomplish, and figuring out which company quotes the cheapest car insurance rates for 16 year olds will take a little more work. Policy prices will more than likely be quite a bit higher than the average policy in West Virginia, with the higher price attributed to the extra risk that comes with offering insurance for new drivers, but competitive insurance should be achievable if you find the right company. Every insurance provider has a unique formula to establish rates, so let’s begin by taking a look at the most budget-friendly car insurance companies in West Virginia.

It’s a good idea to be aware that West Virginia car insurance rates are based on many factors that control the price of coverage. This price fluctuation is why it is important to perform an extensive rate comparison to find the lowest car insurance quotes for 16 year olds. Car insurance prices are made up of many different factors and change substantially, so the most affordable company a year ago may now be wasting a lot of money.

Best Car Insurance Prices for Teens

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Erie may have some of the lowest car insurance rates in West Virginia at around $904 annually. The Hartford, State Auto, Westfield, and USAA also make the cut as some of the lowest-priced West Virginia auto insurance companies.

In the rate table above, if you currently have a policy with Westfield and switched to The Hartford, you might realize a yearly savings of about $226. Drivers with USAA could save as much as $264 a year, and State Farm policyholders might reduce prices by as much as $459 a year.

These premiums are averaged across all types of insureds and vehicles and do not take into consideration a rate surcharge for 16 year olds. So the insurer that has the lowest price for you may not even be included in the above rate chart. That illustrates why you need to compare rates from multiple companies using your own driver and vehicle profiles.

Everyone has different tastes in autos, and the style of vehicle you are insuring is one of the largest factors that determines whether or not you can buy the best cheap coverage for 16 year olds. Vehicles with reasonable performance levels, excellent safety ratings, or low incidents of liability claims will cost substantially less to insure than high performance models.

The information below estimates coverage premiums for a selection of the most cost-effective automobiles to insure in West Virginia.

Data rating is based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Rate information does not factor in West Virginia location which can decrease or increase coverage prices substantially.

Data based on single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in specific zip code location which can influence coverage rates greatly.

Table data represents single male driver age 16, no speeding tickets, no at-fault accidents, $500 deductibles, and West Virginia minimum liability limits. Discounts applied include safe-driver, and claim-free. Information does not factor in vehicle garaging location which can affect auto insurance rates significantly.

One of the many considerations that is used to calculate the amount you pay each year for auto insurance is where you keep your vehicle in West Virginia. Cities with larger populations or higher claim trends like Elkins, Bluefield, and Pea Ridge tend to pay slightly more, whereas areas with less congestion have the gratification of the best cheap car insurance for 16 year olds in West Virginia.

The information below ranks the most expensive cities in West Virginia for 16 year olds to buy auto insurance in.

Prices are comparative as the specific geographic location can affect coverage prices noticeably.

Get discounts on West Virginia auto insurance rates

Car insurance companies that offer the best cheap car insurance for 16 year olds in West Virginia may also offer price discounts that could reduce prices by as much as 35% if you can meet the requirements. A list of companies and a selection of discounts are detailed below.

• The Hartford may include discounts for driver training, good student, vehicle fuel type, defensive driver, anti-theft, air bag, and bundle.
• American Family offers premium reductions for bundled insurance, air bags, TimeAway discount, good student, early bird, multi-vehicle, and good driver.
• Progressive may have discounts that include online quote discount, multi-policy, online signing, multi-vehicle, continuous coverage, good student, and homeowner.
• Travelers policyholders can earn discounts including continuous insurance, home ownership, good student, early quote, new car, and multi-policy.
• Farmers Insurance has discounts for switch companies, good student, distant student, early shopping, and alternative fuel.
• USAA may offer discounts for good student, defensive driver, multi-policy, loyalty savings, family discount, and military installation.
• Liberty Mutual offers discounts for new move discount, multi-car, newly married, new graduate, exclusive group savings, and multi-policy.

The example below shows the difference between insurance costs with and without policy discounts. The rates are based on a male driver, no violations or accidents, West Virginia state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The lower bar shows the rates with paid-in-full, anti-theft, paperless filing, good student, vehicle safety, and passive restraint discounts applied. When taking advantage of discounts, the the average amount saved on car insurance for 16 year olds is 28% or $949.

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Allstate, State Farm, Progressive, and Geico compared

When comparing car insurance for new drivers in West Virginia, the four most popular companies are Allstate, State Farm, Progressive, and Geico. If you add them together, they insure almost 50% of the entire U.S. market share. The following table points out some of the different options and features .