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How much does USAA insurance cost for a new, 16-year-old driver with an older-model Ford Focus?
I'm 16 and just bought an old Ford Focus to get to school and work. How much does USAA charge for someone my age with a low-horsepower car?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“There’s no way to get a precise dollar figure without getting a quote. That said, insurance for teen drivers tends to be expensive, especially if they have their own policy.
If your parents have an insured vehicle with
USAA
, getting on their policy is probably the cheapest option. The good news is that USAA offers a number of discounts for its members, which can help you in your insurance negotiations (and payments, if applicable) with your parents. The list includes:- 10% legacy discount for long-term members
- Good student discount for high school and college students who hold a B average
- Multi-vehicle discount (since you have your own vehicle)
- Discount for taking driving classes
Bring up these discounts with your parents, especially if they’re long-time USAA members, and you’ll probably find a good rate to fit your budget (or your parents’ budget).”
View full answer
- Gregory R.
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