Finding good rates to insure a teenager may be a difficult task. First, we have to think about how insurers base out rates depending the risk.
Statistically speaking the drivers age has a direct impact on the amount of claims due to accidents reported to insurance companies. The ages from 16 to 24 are the ones which are going to be high rated by insurers. Of course, someone who is 24 with no accidents will pay less than a 16-year-old with no accidents; however, the big drop on rates is when you turn 25.