Get ready to compare quotes full coverage car insurance for a 16 year old. Our research shows that insurance companies all across the U.S. (except Hawaii) use age and experience as a rating factor. It's a fascinating point of difference. In our studies, adding a teen raises your costs anywhere from 100% to more than 200%. However, the rates insurance companies will charge you for adding a teen varies widely, as show in the When you add a teenager to your car insurance policy or they get their own, car insurance companies don't actively communicate what discounts are available to you. Use our discount guide below so you're not in the dark. This feature is not available right now auto owners insurance agency locator
. Please try again later. Parents can protect themselves by managing the insurance policy and the vehicles in the household.