Smart SpendingSmart Spending

The Obamas' car insurance bill is about to soar

Malia Obama is turning 16 and learning to drive. Even a first daughter is a huge jolt to your car insurance rates.

By QuinStreet Jun 24, 2014 11:51AM

This post comes from Des Toups at partner site on MSN MoneyA driver’s license is a rite of passage for any teenager, even the daughter of the sitting U.S. president.

Malia Obama is only the second teenager to earn a learner’s permit with a White House address. (Chelsea Clinton was the first.) The Obamas’ older daughter turns 16 on July 4, the minimum age to start the licensing process under Washington, D.C., graduated licensing laws.

US President Barack Obama and First Lady Michelle Obama walk with daughters Malia (2nd R) and Sasha (2nd L) © Mandel Ngan/AFP/Getty Images
She must hold the permit for six months and have at least 40 hours of supervised driving before moving to an intermediate stage that lasts until she is 18.

During this initial period, she is prohibited from driving between midnight and 6 a.m., and she is not allowed to have any passengers. After six months, she can have no more than two, but they are probably going to be two humorless guys in dark suits.

She cannot talk on a cellphone while driving, even with a hands-free device, and she cannot text.

The insurance bill doubles

By the way, the Obamas will feel a bit of the pain you did when your teen joined the fray. Their car insurance bill is about to go way, way up.

Presidents and first ladies don’t drive, unless it’s a few feet behind the wheel for the benefit of cameras, so at least they’ll get a low-mileage discount.

But using the Obamas’ last car purchased before the election, a politically correct 2009 Ford Escape Hybrid SUV, and using to compare auto insurance quotes for 100/300/50 liability coverage, comprehensive and collision with a $500 deductible, uninsured and underinsured motorist coverage, towing and rental coverage and medical payments, this middle-aged professional couple in a low-risk ZIP code would pay about $1,526 a year.

Adding Malia as an occasional driver and including discounts for good grades and driver training, the cheapest premium we found was $3,292 a year.

To insurance companies, every new driver is an unknown quantity, even one who has grown up in the spotlight. Do let her parents know if you see her hooning around Pennsylvania Avenue.

More from

What coverage do drivers like you buy?

How to switch car insurance companies

5 reasons to compare car insurance quotes online

Jun 24, 2014 12:37PM
Home, Auto, and Health Insurance are some of the biggest ripoffs currently being Mandated on the Working Poor and Fading Middle-Class. Obama won't even feel this, the average American however does. The Government doesn't give a darn about the Rampant inflation that most Americans have felt over the last Decade or more.
Jun 24, 2014 2:25PM
Another MSN B.S. article trying to convince the American people that the elite are just like us.
Jun 24, 2014 2:14PM
Who gives a damb about obama or her driver liscence, i just hope the insurance company gouges the living hell out of her after what daddy did to this nation via obama care.
Jun 24, 2014 2:20PM
yeah they must be broke like the clintons
Jun 24, 2014 2:20PM
Who really cares????????????????????
Jun 24, 2014 2:02PM
Another Obama lie....they have a driver paid for with your money if you pay taxes!
Ahh poor thing. I wonder who will do the supervising while she has her permit. And Which of the big Black Limos she will be driving.
Jun 24, 2014 2:40PM
Yeah, right. Am I supposed to feel sorry for this communist / socialist moron and his family? They won't get one shred of sympathy from me.  If this @ssclown had to pay for his family's health insurance like the rest of us do,, he might realize just how bad his administration's policies are for the average middle-class wage earner.
Jun 24, 2014 2:56PM
I'm pretty sure they haven't felt a trace of what it is really like to have real bills. Why should she even get insurance? If she wrecks or kills someone I'm sure the president will cover it up or make it go away.
Jun 25, 2014 9:37AM
Uhhhh, Obama can't drive.  Secret Sevice won't allow.
Here in Texas there isn't a low milege discount.  I got mine through AARP but it was half of what they will pay for her and I am a senior citizen.  Mostly it seems to me that insurance companies are ripping off the public.  That is why around here there is a lot of people that just don't carry anything on their cars.  Those of us that get hit by one of those with no insurance hopefully gets the book thrown at them with a hefty fine. Car wrecks isn't an accident at all.  It is where one driver does something wrong and hits someone else.. then you better be carrying full coverage insurance.  You could probably sue that person but usually they have nothing in the first place so insurance  is usually on you.  The Obamas don't really have to worry about price since they are millionaires already especially when you can take $100 million dollar vacations. No one in the military can get the military to pay for their vacations except you still get your regular pay so why is the Obamas getting theirs paid for?  Let them go where they want but they have to pay for their own vacations.
Jun 24, 2014 2:22PM
And Her driving instructor will almost certainly be from the SECRET SERVICE DETAIL

A lot of perks when you are the POTUS      Maybe Jeff Gordon will instruct her           LOL
Jun 24, 2014 2:57PM

""""During this initial period, she is prohibited from driving between midnight and 6 a.m., and she is not allowed to have any passengers......""""

Strange I thought you had to have a licensed driver over the age of 18 while working with a learners permit...Guess MSN is guilty of another boo boo oooopppps I mean misquote. 

Jun 24, 2014 2:20PM

wait... Cadillac One has car insurance S:

Jun 25, 2014 1:55PM
Thats pocket change for him, he probably spends more than that on a bottle of wine.
Jun 24, 2014 2:32PM
Did i really have to read this story? Is this what Yahoo considers newsworthy in today's times?
Jun 29, 2014 3:25AM
How much will Malia's obamacare cost her ? or did she get a waiver too?
Jun 24, 2014 4:05PM

Mom wrote

"And Her driving instructor will almost certainly be from the SECRET SERVICE DETAIL"

Did you miss the part where she will not be allowed to have "ANY" passengers. 

I would get a Refund on that G E D 

""She must hold the permit for six months and have at least 40 hours of supervised driving before moving to an intermediate stage that lasts until she is 18.
Jun 24, 2014 2:14PM
i need some more feen plz.  lololololololololololololololololololololololololol

 and no that is not machine language, that laughing out loudly arrogantly ahahahah bua

Jul 11, 2014 9:51AM
This is a JOKE. Obama, being a CRIMINAL heretic dares even thinks he knows the first thing about what family and love is, committing high treason, murder, conspiracy and anti-Christian acts. Are you serious? The guy goes and has beers and shoots pool with our Denver Mayor (Wonder why Obama comes to Colorado frequently?) but he refuses to deal with the issues HE CREATED on the southern border with those illegal immigrants, many whom are children! IT IS SICKENING TO ME! I would NEVER date a president's daughter anyways. Who in their right mind would be that stupid and foolish? And if you look at Miss Obama, she ahs the look of "this is my security, the girls, because I have no dignity other than that being married to a heretic." This is getting to be so obvious that the communist/socialist/luciferian witchcraft agendas are going on, and were predicted many years ago. if you read the book written by an ex-FBI officer in 1958 called "The Naked Communist", you can see evidence right there in the document! So there is no question why we have the problems and evil in our country and abroad today. It often stems from our own shadow government and groups such as the Central Intelligence Agency and NSA. Wake up people. Seriously.
Please help us to maintain a healthy and vibrant community by reporting any illegal or inappropriate behavior. If you believe a message violates theCode of Conductplease use this form to notify the moderators. They will investigate your report and take appropriate action. If necessary, they report all illegal activity to the proper authorities.
100 character limit
Are you sure you want to delete this comment?


Copyright © 2014 Microsoft. All rights reserved.

Fundamental company data and historical chart data provided by Morningstar Inc. Real-time index quotes and delayed quotes supplied by Morningstar Inc. Quotes delayed by up to 15 minutes, except where indicated otherwise. Fund summary, fund performance and dividend data provided by Morningstar Inc. Analyst recommendations provided by Zacks Investment Research. StockScouter data provided by Verus Analytics. IPO data provided by Hoover's Inc. Index membership data provided by Morningstar Inc.


Smart Spending brings you the best money-saving tips from MSN Money and the rest of the Web. Join the conversation on Facebook and follow us on Twitter.