how much would insurance cost for a newly licensed driver? ballpark figure.... more than $1000, $2000?

3/4/2010 1:02:57 AM

what's the age of the driver?

3/4/2010 1:05:45 AM

I think it might depend on how old they are as well. Not sure though.

3/4/2010 1:05:46 AM

Depends highly on the car and the level of coverage.

[Edited on March 4, 2010 at 1:06 AM. Reason : (and the state, but I assume you're asking about NC)]

3/4/2010 1:05:54 AM

Almost 7 years ago when I was 16, I think bare minimum liability coverage was like $1300 a year on a 92 Accord.

3/4/2010 1:08:22 AM

You really turned to TWW before Google? Or maybe you got the same answer you will get here...

There are way too many factors that go into this to give an 'industry average'

How old is the newly licensed driver?
If it's a teen, what's their GPA?
Are you applying for full insurance or occasional driver?
etc etc etc


Personal experience:
~600 per 6 months when I turned 16, 3rd car to be insured.
~1300 per 6 months after my wreck
~600 per 6 months once I turned 19

I believe when my parents switched from company A to Nationwide we ended up paying like 60% total of what we were paying with company A. Definitely worth shopping around for quotes.

3/4/2010 1:08:41 AM

[Edited on March 4, 2010 at 1:10 AM. Reason : s]

3/4/2010 1:09:38 AM

thx

[Edited on March 4, 2010 at 1:11 AM. Reason : s]

3/4/2010 1:10:01 AM

'04 car makes it ridiculously priced. how old is said driver?

3/4/2010 1:11:49 AM

For just liability insurance, the year of the car doesn't really matter, does it?

3/4/2010 1:18:56 AM

I wasn't sure if we were talking liability ins or full blown + collision etc

3/4/2010 1:21:27 AM

In North Carolina you are listed as an inexperienced operator (IO) for the first 3 years that you have your license, regardless of age. The rates will stair step down each of the 3 years, but there will be an additional charge for the first 3 years you have your license.

If you are adding this new driver to an existing policy another big factor is if they will be a principle or occasional driver. This is determined by the number of vehicles compared to the number of drivers on the policy. If there are the same number of vehicles as drivers, then they are required to be listed as principle, which is more expensive. You can at least count on the existing policy doubling in price.

Like others have said there are to many factors to give a dollar figure for ball park.

N.C. state minimum liability is $30,000 / $60,000 / $25,000
Bodily Injury (per person) / Bodily Injury (per accident) / Property Damage
This will be the cheapest, but if you hit someone(or multiple people) and cause more damage, prepare to be sued.

The year/make/model of a car can make a difference, but not much if it's your generic sedan for liability. Comprehensive and Collision coverage are usually where rates vary more from car to car.


If you really have questions and want to learn your coverages and how you policy will be affected I suggest you look at some of the Agent focused companies... Amica, State Farm, USAA(if that's an option). They will be able to take the time to explain everything to you, but most will want to meet face to face. Otherwise "quote/buy/print" and we can all move along.

3/4/2010 7:57:40 AM

just call your agent

3/4/2010 8:12:09 AM

holy shit this motherfucker named himself after the silver surfer

3/4/2010 8:54:52 AM