We were all young once and perhaps you remember what it was like to die for an affordable young drivers car insurance rate. It is an absolute travesty that car insurance companies are allowed to price gouge on customers who are 16 years old. Essentially, they have no driving record, yet they pay the highest premiums of any drivers on the road. The downside to that is, their rates remain high for a minimum of three years, at which time they are still  high. If you are unfortunate enough to have teenagers in your home, you have my condolences. It is hard enough to maintain a level of normalcy when you have teenagers in your home, however, paying for car insurance for this teenager may be more than we bargained for. Our teenager has decided that he indeed wants to drive at age 16. As parents we have decided that at that age the boy will get a job and pay for his own car insurance. We have checked all the family rules and decided that he is not entitled to car insurance just because he is our son.