For many teenagers, getting a driver’s license is a large accomplishment. The sensation of satisfaction, the joys of freedom and the joy of getting a automobile are unparalleled by different teenage rites of passage. For folks, although, having a teen driver will not be almost so thrilling. Together with the fear of getting a teen on the street, mother and father additionally need to cope with the brand new monetary burden of shopping for and insuring a automobile for his or her teen driver.
The common price of automobile insurance coverage is $1,674 for full protection, however for teen drivers the price could also be double or triple. As an example, the price of including a 16-year-old to a guardian’s insurance coverage coverage is a median of $2,531, a rise of greater than 150%. The worth isn’t a surprise given the chance a teen driver presents to insurers. Based on the Insurance coverage Institute for Freeway Security (IIHS), the chance of visitors fatalities is highest amongst teen drivers, and in 2019 alone, 2,375 drivers below 19 died in street accidents.
Though automobiles are at all times a giant buy, there are a selection of car choices available on the market that may be obtained at comparatively low costs ($10,000 or much less), which embrace security options, gasoline effectivity and the sturdiness to final for years to come back. Bankrate’s editorial crew has researched the perfect automobiles for teen drivers and decided that seven fashions stand out from the group.
One of the best automobiles for youngsters
1. Honda Civic (2012-2016)
The Honda Civic has been one of many best-selling small automobiles in the US for years, with a profitable mixture of value, options, security, reliability and resale worth. It’s no shock, then, that additionally it is among the finest used automobiles for teenagers.
The sedan was an IIHS Prime Security Choose yearly from 2009 to 2017, and almost each configuration of the automobile made because the begin of the mannequin’s ninth technology in 2012 has gotten a 5-star general security ranking from the Nationwide Freeway Visitors and Security Administration (NHTSA).
The Civic additionally has incredible gasoline financial system, with EPA estimated averages round 31 MPG. Whereas discovering one below $10,000 is just not tough, used 2012 mannequin Civics are likely to have wherever from 50,000 to 100,000+ miles on them, usually previous their three-year, 36,000-mile manufacturing unit guarantee. Newer mannequin, lower-mileage Civics with fewer miles usually price greater than $10,000.
2. Toyota Camry (2012-2014)
The Toyota Camry usually ranks close to the highest of the record for among the finest automobiles for youngsters and one of many best-selling automobiles within the nation usually. Sadly, Camry house owners have a tendency to carry onto them for the lengthy haul, that means a Camry below $10,000 with out extreme miles is difficult to come back by.
The 2011 mannequin will get an estimated EPA 22 MPG within the metropolis and 32 MPG on the freeway. IIHS included the 2012-2014 Camrys on its Prime Security Choose record and the NHTSA gave the identical fashions five-star general security rankings. The 2011 Camry includes a six-speed normal or computerized transmission, together with a three-year, 36,000-mile guarantee. Extremely rated in crash security assessments, and with nice longevity, reliability and gasoline financial system, the Toyota Camry is a superb first automobile if you’ll find a used one on the market.
3. Hyundai Sonata (2011 or newer)
The 2011 Hyundai Sonata has a five-year, 60,000-mile guarantee and will get an estimated 34 MPG on the freeway. The Sonata additionally is available in a hybrid model with even larger gasoline effectivity. Since 2011, all gas-powered Sonatas have earned a five-star NHTSA security ranking and have earned the IIHS Prime Security Choose distinction yearly besides 2014, making these good first automobiles for teen drivers.
Used 2011 Sonatas on this value vary normally have greater than 60,000 miles, whereas 2016 fashions have simply shy of the guarantee mileage restrict. Base fashions include normal security options, together with entrance and aspect curtain airbags and stability management.
4. Nissan Altima (2014 and newer)
Each mannequin of the Nissan Altima since 2014 has earned a NHTSA five-star security ranking. Even within the base fashions, Bluetooth connectivity and Clever Key distant engine begin are normal options, whereas fashions from 2016 and past additionally characteristic a rearview digital camera.
The four-cylinder engine with constantly variable transmission can log EPA estimated gasoline financial system 38 MPG on the freeway, peaking at 39 MPG on the 2016 mannequin. On this value vary, look forward to finding 2014 fashions with round 60,000 to 80,000 miles – leaving loads of life to take this superb automobile for teenagers nicely into their school years.
5. Volkswagen Jetta (2016-2017)
The Volkswagen Jetta is the smallest sedan that Volkswagen gives, making it an amazing choice for teenagers who could also be intimidated by bigger autos. The 2016 and 2017 fashions have been IIHS Prime Security Picks, and each years include vehicle-to-vehicle entrance crash prevention as an optionally available security characteristic. For teen drivers who’re nonetheless studying, discovering a used Jetta with entrance crash prevention may ease the fear on mother and father’ minds.
Dad and mom won’t have to offer their teenagers a lot gasoline cash both, because the 2016 and 2017 Volkswagen Jettas get between 27 and 33 mixed metropolis/freeway MPG, relying on the particular trim bundle. The 2016 Jetta hybrid mannequin will get an unbelievable 44 mixed metropolis/freeway MPG. Most used Jettas promote for beneath $10,000, though the extra options the automobile has, the costlier it’s.
6. Ford Focus (2015-2017)
The 2015 Ford Focus will get an EPA mixed estimated 31 MPG and earned the IIHS’s Prime Security Choose distinction. From 2012 to 2018 (Ford discontinued the mannequin in 2019), each model of Ford Focus has earned a five-star general security ranking from the NHTSA, together with sedans and hatchbacks. You’ll find a number of Focus fashions within the $10,000 value vary.
The 2015 Focus was the primary mannequin to supply an ordinary back-up digital camera, with blind-spot detection and lane departure warnings. Ford additionally gives MyKey, a program that allows mother and father to program a key that may set limits on the automobile’s pace and radio quantity, in addition to seatbelt alerts. Whereas younger drivers may not be as enthusiastic in regards to the security parts, these options safe the Ford Focus as among the finest used automobiles for teen drivers within the minds of many mother and father.
7. Ford Escape (2018-2019)
For those who would really feel extra snug together with your teen driving a extra substantial automobile, the Ford Escape is a superb choice. Though this automobile is on the high of our $10,000 funds, it gives options that will make up for the marginally greater price ticket.
Though it was not an IIHS Prime Security Choose, the 2018 and 2019 Escape fashions did rating nicely in crashworthiness for aspect impacts and roof energy. Moreover, each years have 5-star security rankings from the NHTSA. Each fashions additionally supply choices for ahead collision warning and lane departure warning. Discovering a used Ford Escape with both or each options may assist mother and father really feel extra comfy with their teen drivers.
Automotive insurance coverage for teenagers
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Including a teen driver to your auto insurance coverage coverage could make the premium rise steeply. Since younger drivers are thought of greater danger by insurance coverage firms, the price of premiums will usually be costly for them so long as they’re below 25 years of age. Nevertheless, the value shouldn’t deter you from getting satisfactory safety to your teen driver.
Apart from the minimal required protection for legal responsibility and property harm, you possibly can additionally take into account including optionally available collision and complete protection for the brand new driver, since they lack expertise behind the wheel and the chance of a expensive declare is far larger. Whatever the automobile or the protection you select, getting quotes from a number of insurers may assist you discover essentially the most inexpensive value.
Incessantly requested questions
Why is automobile insurance coverage for a teen so costly?
Statistically, teen drivers trigger extra accidents than adults do. In 2019, greater than 2,400 youngsters died in street accidents and one other 258,000 sustained accidents, at a value of almost $13 billion, in line with the Facilities for Illness Management and Prevention, at a value of $13.1 billion. Insurance coverage firms base charges on the monetary danger incurred by insuring a driver. Usually, automobile insurance coverage charges for younger folks with good driving information begin to lower by the point they attain their late teenagers or early 20s.
How do I do know if a automobile is protected for my teenager?
The Insurance coverage Institute for Freeway Security and Nationwide Freeway Visitors Security Administration produce security rankings on the preferred autos. Each organizations preserve a database of auto rankings on their web sites, which embrace older mannequin autos, so you may search for the most secure and greatest automobiles for youngsters.
Are youngsters restricted from driving at night time?
Most states have teenage driving restrictions. Every state units its personal nighttime driving restrictions. For instance, Nevada restricts teen driving between the hours of 10 p.m. to five a.m. Vermont is the one state that doesn’t impose nighttime driving restrictions on teenagers.
Do states prohibit the variety of teen passengers in a automobile pushed by a teen?
Most states prohibit the variety of teenage passengers in a automobile pushed by one other teenager. For instance, a teen driver in Texas can not have multiple passenger below the age of 21. Florida, Iowa, Mississippi and North Dakota are the one states with no restrictions. For extra particulars about teenage driving restrictions by state, take a look at this desk from the IIHS.
Bankrate makes use of Quadrant Info Companies to investigate charges for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted charges are primarily based on the extra price of a 16-year-old female and male teen driver added to their 40-year-old mother and father’ coverage (with clear driving information, good credit score and the next full protection limits):
- $100,000 bodily damage legal responsibility per particular person
- $300,000 bodily damage legal responsibility per accident
- $50,000 property harm legal responsibility per accident
- $100,000 uninsured motorist bodily damage per particular person
- $300,000 uninsured motorist bodily damage per accident
- $500 collision deductible
- $500 complete deductible
To find out minimal protection limits, Bankrate used minimal coverages that meet every state’s necessities. Our pattern drivers personal a 2019 Toyota Camry, commute 5 days per week and drive 12,000 miles yearly.
These are pattern charges and must be used for comparative functions solely. Your quotes could also be completely different.
Charges are decided primarily based on 2021 Quadrant Info Companies information.
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