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Auto Insurance For Young Drivers

The Cost Of Insuring Your Teen

Auto insurance is required by law in Louisiana, but how much you pay in insurance premiums for your teenage driver depends largely on your child's driving record, school grades and whether he or she has taken driver's education courses.

When insurance companies calculate premiums for young drivers, they take into account several factors including:

Teen's driving record
The make, model and year of his or her car
Age
Gender
Where he/she resides
Whether teen is the primary or secondary driver of the car
How far the teen drives to and from school or work

===Why do insurance companies charge higher auto insurance premiums for young drivers?

=

Consider these sobering statistics:

Only 5 percent of all licensed drivers are under the age of 19, but nearly

12 percent of all crash fatalities are teenagers.

Thirty-six percent of all 16 to 19 year old deaths in 1996 occurred in

auto crashes.

Sixteen year olds have 40 crashes per 100 licensed drivers each year, compared

with a rate of nine crashes per 100 licensed drivers who are 45 to 54 years old.

Sixteen year olds are more likely than any other group to be speeding.
Sixteen year olds frequently fail to wear safety belts, adding to the risk of fatal

injuries.

Typical Louisiana insurance rates for teens:

Good Student/Driver's Ed	Clear Record	One At-Fault Crash
16 year old Female	$1,351	$1,459
17-18 year old Female	$1,322	$1,428
19 year old Female	$1,214	$1,364
16 year old Male	$1,624	$1,774
17-18 year old Male	$1,584	$1,711
19 year old Male	$1,493	$1,680
Not Good Student/No Driver's Ed	Clear Record	One At-Fault Crash
16 year old Female	$1,584	$1,711
17-18 year old Female	$1,526	$1,648
19 year old Female	$1,409	$1,585
16 year old Male	$2,429	$2,626
17-18 year old Male	$2,341	$2,531
19 year old Male	$2,192	$2,468

Sample semi-annual premiums based on a 2001 Honda Civic DX 2-door. Principal operator is a single youth. More than one vehicle in the household. All other drivers have been accident and violation free for at lease five years.

Note: While the premium above are from a standard company writing automobile risks in Louisiana today, this company and other standard insurance companies would not write a policy for a young driver with a DWI conviction and ticket.

The policy would be cancelled and the risk would have to be written in the Assigned Rick Plan through the state or in another non-standard company at even higher premiums than indicated above. Many insurance companies do not require you to carry a separate policy on beginner driver's 15 years of age, but it is highly recommended to consult your insurance carrier for clarification. Premiums shown provided by State Farm Mutual Automobile Insurance Company.

More pages about auto insurance:

From Louisiana State Police Wiki

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Daily Fact

Similar to Biloxi, the city of Slidell, Louisiana, is susceptible to periodic flooding and hurricanes because it is located at the juncture of a floodplain and coastal zone.

Source: NATURAL DISASTER EPISODE: IMPACTS, EMERGENCY RESPONSE, AND HEALTH EFFECTS OF HURRICANE GEORGES IN THE GULF COAST