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Who Has Cheap Car Insurance for 16 Year Olds in Pennsylvania?

The safety and performance level of the vehicle you are seeking coverage for is one of the biggest factors when trying to find the most economical car insurance for 16 year olds. Vehicles with economical engines, excellent safety ratings, or a positive history of liability claims will cost quite a bit less to insure than higher performance models.

The next tables estimates auto insurance rates for a number of the cheaper automobiles to buy coverage for.

Car Insurance Rates for Popular Cars in Pennsylvania
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Ford Focus S 4-Dr Sedan$4,040$2,020$337
Ford Fusion SE 4-Dr Sedan$4,318$2,159$360
Honda Civic DX 2-Dr Coupe$4,912$2,456$409
Hyundai Sonata GLS 4-Dr Sedan$4,416$2,208$368
Kia Optima SX$4,662$2,331$389
Nissan Altima 2.5 S 4-Dr Sedan$4,284$2,142$357
Toyota Camry XLE$4,284$2,142$357
Toyota Corolla S$4,284$2,142$357
Volkswagen Jetta 2.0T Station Wagon$3,924$1,962$327
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Price data assumes single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Table data does not factor in vehicle garaging location which can impact auto insurance rates greatly.

Car Insurance Rates for Popular SUVs and Crossovers in Pennsylvania
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Acura RDX AWD$3,678$1,839$307
Buick Enclave CX AWD$4,318$2,159$360
Chevrolet Traverse LT AWD$3,712$1,856$309
Ford Escape XLT 4WD$3,468$1,734$289
Ford Explorer Limited 2WD$4,106$2,053$342
GMC Acadia SLE AWD$4,072$2,036$339
GMC Terrain SLT AWD$3,924$1,962$327
Honda CR-V EX-L 2WD$3,468$1,734$289
Honda Pilot EX 2WD$3,896$1,948$325
Hyundai Tucson Limited 4WD$4,072$2,036$339
Jeep Grand Cherokee Limited 4WD$4,318$2,159$360
Toyota 4Runner Limited 2WD$3,956$1,978$330
Toyota Highlander Sport 4WD$4,106$2,053$342
Toyota RAV4 Limited 4WD$4,072$2,036$339
Volvo XC90 3.2 R-Design 2WD$4,318$2,159$360
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Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include safe-driver, and claim-free. Prices do not factor in vehicle garaging location which can impact auto insurance rates noticeably.

Auto Insurance Rates for Popular Pickup Trucks in Pennsylvania
Make, Model, and Trim LevelAnnual CostSemi-Annual CostMonthly Cost
Chevrolet Silverado 2500HD LT Crew Cab 4WD$4,318$2,159$360
Chevrolet Silverado 3500HD LT Crew Cab 2WD$4,350$2,175$363
Chevrolet Silverado LTZ Crew Cab 4WD$4,318$2,159$360
Dodge Ram 2500 Mega Cab Laramie 2WD$5,114$2,557$426
Dodge Ram 3500 Crew Cab SLT 2WD$4,594$2,297$383
Dodge Ram Crew Cab TRX 4WD$4,694$2,347$391
Ford F-150 Lariat Crew Cab Platinum 2WD$4,318$2,159$360
GMC Canyon SLE Crew Cab 4WD$4,106$2,053$342
GMC Sierra SLE Crew Cab 4WD$4,318$2,159$360
Toyota Tundra Double Cab 4WD$4,450$2,225$371
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Cost estimates assume single male driver age 16, no speeding tickets, no at-fault accidents, $1000 deductibles, and Pennsylvania minimum liability limits. Discounts applied include claim-free, and safe-driver. Price estimates do not factor in specific location which can raise or lower coverage prices substantially.

For new drivers, one of the largest factors that affect car insurance rates is where you live. Areas that are densely populated or have higher claim frequency like Philadelphia, Levittown, and Norristown tend to have higher auto insurance costs, whereas areas that tend to be more rural benefit from lower prices.

The next table illustrates the most expensive areas in Pennsylvania for 16 year olds to buy an auto insurance policy in.

Where does Pennsylvania rank for car insurance cost?
RankCityPremium Per Year
1Philadelphia$1,997
2Drexel Hill$1,549
3Levittown$1,407
4Chester$1,379
5Norristown$1,281
6Allentown$1,130
7Pittsburgh$1,095
8Municipality of Monr$1,091
9Bethlehem$1,087
10Scranton$1,081
11Erie$1,071
12Reading$1,066
13Easton$1,058
14Wilkes-Barre$1,057
15Plum$1,047
16Hazleton$1,046
17New Castle$1,046
18Altoona$1,042
19Bethel Park$1,019
20Lancaster$1,005
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Information shown are comparative as the garaging address in Pennsylvania can raise or lower coverage prices considerably.

Cost difference between full coverage and liability

Finding cheap auto insurance for 16 year olds in Pennsylvania is important to most people, and one of the fastest ways to pay less for insurance is to only buy liability insurance. The diagram below compares auto insurance rates with and without full coverage. The rates are based on no claims or driving violations, $1,000 deductibles, single status, and no discounts are applied.

If averaged for all ages, full coverage costs $1,499 per year more than just buying liability only. A very common question is if you should buy full coverage. There is no exact rule for dropping full coverage, but there is a guideline you can consider. If the annual cost of your full coverage insurance is about 10% or more of any settlement you would receive from your insurance company, the it may be a good time to stop paying for full coverage.

For example, let’s pretend your vehicle’s replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your policy deductible. If premiums are more than $400 a year for full coverage, then you might want to think about dropping full coverage.

There are some scenarios where dropping full coverage is not advised. If you haven’t satisfied your loan, you have to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should not consider dropping full coverage.

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