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How much more new drivers will pay for car insurance. First-time drivers pose a higher risk to insurance companies and will pay more for coverage. On average, our sample data shows first-time drivers are paying about $4, per year for car insurance, whereas experienced drivers are only paying $1, per year. No spam. Car insurance costs an average of $3, per year for a first-time driver who is 16 years. The average cost of car insurance for an year-old driver is $2, per year for males and $1, for females. Rates can vary widely based on driver age, location, annual mileage, type and age.
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