This is one of those questions that is impossible to answer because there are many factors that come into play in figuring the insurance premiums. Where you live, driving records, vehicles, etc.
45 dollars
It really depends on what your insurance policy is.
There are quite a few factors that will determine how much insurance costs, I would call a local agent for a quote.
It will cost nothing, until he/she get the actual license
If the 16 year old grandchild lives in your home or drives your vehicles then yes you are required to add him or her you your insurance as a primary or secondary driver depending on how much they drive.
If you run a small daycare out of your home, you can sometimes add an endorsement to your home insurance for about $150.00 oer year. The limit is usually 4-6 children. If you are operating a larger day care in your home, the cost of insurance may start at $1,000 per year or more depending on size, experience, etc.
Insurance can cost 1,000 to 2,000 dollars a year. The maintenance cost is estimated at $1.38 a mile. This can add up for the owner/operator.
Travel insurance costs 4-8% of the total trip cost. Trip cost, trip length, and age of travelers are the main pricing factors. Upgrades and add ons greatly influence price.
Roughly 100 bucks per mtg depending on carrier and type of car.
I heard you do not have to add your 16 year old to your car insurance policy since he/she will only be driving your insured car. Is this true?
You need to call around and get some quotes. If you have been on your parents insurance for a while, let them know that. If you have a good driving record, it shouldn't be that high. I would try AIS insurance or GEICO.
Depending on your previous driving history and the type of car one owns, a quote for personalized car insurance will be created. There are many features one could add to their insurance policy such as breakdown coverage.