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The best cars for teenage drivers

So your 17-year-old wants to start driving? Time to find a safe, economical car to help keep your kid (and your car insurance hit) as protected as possible.

By Smart Spending Editor Jun 25, 2013 6:11PM
This post comes from partner site CarInsurance.com.

MSN Money partnerWith your teen agitating to start driving, you want to make sure you have the safest car possible. Because your car insurance will be going up anyway.

Image: Woman driving car (© Pixland/Jupiterimages)The “Best Cars for Teens” rankings starts with the “Top Safety Picks” designation from the Insurance Institute for Highway Safety (IIHS), which identifies not only the 2009-model cars that withstood crash tests with flying colors but also those that have available electronic stability control to keep young drivers out of trouble in the first place.

In fact, the wider availability of stability control added many of the cheaper models such as the Ford Focus and Toyota Corolla to our list this year. (The government now requires it on all new cars.)

The 14 vehicles below meet our requirements:

    •    They are an Insurance Institute for Highway Safety (IIHS) Top Safety Pick.
    •    They cost less than $15,000 for a 2009 model, according to Edmunds.com
    •    They get 20 mpg or better in combined driving, according to the EPA.
    •    They score average or better in annual repair visits, according to TrueDelta.com.

From there we shopped for insurance on each one as if an 18-year-old were buying his or her own policy.  (Full details on the coverage are below.)


Make and model

Cost of car

Reliability**

MPG

Insurance

Mitsubishi Lancer GTS*

$10,890

19

23

$4,392

Honda Fit*

$12,694

18

31

$3,976

Volkswagen Rabbit 4-door

$11,409

34

24

$3,874

Ford Focus 2-door*

$9,239

28

27

$3,800

Honda Civic 4-door*

$14,583

23

29

$3,738

Subaru Impreza

$11,671

24

22

$3,732

Toyota Corolla*

$10,294

18

30

$3,656

Audi A3 2.0T

$14,474

47

24

$3,622

Volkswagen Jetta

$10,333

34

24

$3,524

Subaru Legacy

$13,005

27

22

$3,518

Scion xB

$10,387

7

24

$3,506

Ford Fusion*

$11,216

14

23

$3,494

Honda Accord

$14,399

21

24

$3,334

Ford Taurus

$11,286

12

21

$3,322







*Electronic stability control optional or available only on some models. 
**Fewer visits is better.


Safety first, then price

From the IIHS list of nearly 100 top-scoring models, we eliminated pickups and SUVs.

“While some pickups and SUVs score well, they’re really not great choices for novice drivers,” says CarInsurance.com consumer analyst Penny Gusner. They’re taller and have higher centers of gravity, making them more prone to “tripping” on a curb or other obstruction and rolling over -- a kind of accident that stability control can’t easily prevent.


Of the “Best Cars for Teens” picks, automotive expert John Pearley Huffman likes the Accord. “You could keep it a long time without outgrowing it,” he says. “And it’s big enough that parents won’t worry.”

Huffman, who writes about cars for The New York Times and Car and Driver, says he would seek out the larger models on the list. “I love small cars like the Fit, but relatively speaking, your kid stands a better chance in something with bigger crumple zones.”

Who pays the bills?
From there we looked for models that cost less than $15,000 from a private party, using Edmunds.com’s True Market Values. In cases where stability control was an option, we priced trim levels that offered that option.

We also tried to keep an eye on running costs, assuming that a teen driver might be responsible for upkeep, gas and insurance.

We eliminated any vehicle that didn’t get at least 20 mpg combined on EPA tests.  But we also eliminated any vehicle with a higher-than-average number of yearly repair visits as reported by car owners at TrueDelta.com.

Lastly, we priced an insurance policy for each.

A caveat: This list is useful for showing the relative differences in rates between cars, but it does not necessarily reflect what you or your child might pay. We looked at rates for an 18-year-old male in Florida with no tickets or accidents, buying his own full-coverage policy.
You could pay less, or you could pay much, much more. It depends largely on your ZIP code and the teen’s driving history.

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Teen drivers: 4 scenarios
Insurance companies calculate rates based on risk. Adding a licensed teenager greatly increases that risk -- and means parents need to look at many options.

Consider Don and Darla, who live in Pensacola, Fla., middle-aged parents with spotless records who drive a 2012 Honda Accord and 2008 Chevrolet Suburban.  The cheapest quote we found for full coverage on both their cars was $1,959 a year.

Now let’s add their 18-year-old to the mix.

Assign the teen driver to the cheapest-to-insure car. We added Don and Darla’s 18-year-old son, Aiden, and assigned him to the family SUV. Cheapest quote: $3,477 a year.

Buy the teen driver a late-model used car. A financed 2009 Toyota Corolla joins the fleet.

Cheapest quote: $4,771.

Buy the teen driver a beater car. A 2002 Ford Taurus is added to the family policy with liability-only coverage. Cheapest quote: $3,723.

Insure the beater separately and exclude the teen from the family policy. We found liability-only coverage for Aiden at $2,321 a year. Add that to his parents’ $1,959 bill and the family comes out about $500 in the hole compared with simply adding the Taurus to the family policy. (Note: Even if the named driver exclusion somehow winds up being much cheaper, not all states will allow a driver under 18 to be excluded from a family policy.)

Methodology
Insurance rates are for an 18-year-old male in ZIP code 32534 (Pensacola, Fla.), commuting 12 miles each way to school, with no accidents or violations. Coverage includes $100,000 bodily injury liability (up to $300,000 per accident) and $50,000 in property damage liability, $10,000 in personal injury protection and comprehensive and collision coverage with $500 deductibles.

More from CarInsurance.com
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6Comments
Jul 7, 2013 10:29AM
avatar

The only car an 18 year old living at home should be driving is a used car he or she can afford. price tag less that $4,500 . You cant tell me that there are not great cars out there with a $4,500 dollar price tag or less that are just as reliable as a car in the 12,000 dollar range.  You can save a ton of money by not having collision insurance. You can call it what it is, a throw away car. You can bet they will drive it better knowing that it wont get replaced if their driving like an idiot and wreck the car. Beats the mind set of its ok to drive like an idiot because if I wreck the car insurance will fix it.

Jul 7, 2013 3:46PM
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  Well, of course Lets go to a new car lot and pay a new car price for a six year old car, And pay for another floor on a Insurance building Mega office building, when My children are sane, responsible young adults, that don't add into the calculation of statistics that all kids are bad drivers ; so I must pay for all the other problems of the world, with my insurance premiums. It's what we in the south call ****.
Jul 7, 2013 1:26PM
avatar

All of the cars on the list would be great for the teenage driver. Why?

Well, they would spend most of their time in the shop, so more kids would either have to walk or use public transportation.

Crash test statistics show that none of them do too well. So, it kind of "thins the herd"

None of the cars listed appear to get anything near decent gas mileage, or low maintenance costs.

And, teenagers driving like idiots would soon have any of them rolled up into a little recycle able ball of tin foil.

Feb 11, 2014 1:47PM
avatar
The best car of all time for teenage drivers will never not be the classic volvo :) 
No matter what, I would go with an older car not requiring comprehensive & collision insurance. Having your teen drive a newer car of higher value costs more for auto insurance , & even more when they have their first fender bender. As for insurance, I would get it from 4autoinsurancequote... they have rates under $75/month for teenagers. Really can't be beat.
Jul 7, 2013 10:01PM
avatar
Why do they assume the kid is 17 and is just starting to drive?  I have a fourteen year old driving because we live in on a farm.  The only car they will drive is our regular family vehicle with us in the car/SUV with her!  By the time my youngest is 17 she will have been driving for 3 years.  Then it will be a car she can afford that we know is road worthy!
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