# Leasing risks for a teenager **URL:** \ **Category:** Ask the Hackrs\ **Tags:** ny, insurance\ **Created:** [January 8, 2026, 2:28am UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304 "2026-01-08T02:28:37Z")\ **Posts on this page:** 13\ **Page:** 2
**Author:** ![Ursus](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/ursus/32/4944_2.png) [@Ursus](https://forum.leasehackr.com/u/Ursus)\ **Post date:** [January 11, 2026, 4:05am UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/21 "2026-01-11T04:05:09Z")
> [@Oreo12](#): > > Subaru’s MPG are good these days Who cares? We got all the oil in the world lol ---
**Author:** ![Zenek](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/zenek/32/204361_2.png) [@Zenek](https://forum.leasehackr.com/u/Zenek)\ **Post date:** [January 11, 2026, 4:37pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/22 "2026-01-11T16:37:11Z")
> [@Ursus](#): > > You can always add “excessive wear & tear” on a lease. But if you have Volvo?🤔 My friend was very lucky with last month Volvo lease return. She paid $390 for these damages. ![IMG_20260111_113223](https://leasehackr-assets.b-cdn.net/original/3X/6/6/66443ef88055a71a9a54f8ca502f1b98f3be43e7.jpeg) ![IMG_20260111_113227](https://leasehackr-assets.b-cdn.net/original/3X/2/6/26e6f0c905cdd8c580fee1dc4d5b4f0c9273ee27.jpeg) ---
**Author:** ![redvictory](https://leasehackr.b-cdn.net/letter_avatar/redvictory/32/5_5575768a8748004e209b776fc1b2916d.png) [@redvictory](https://forum.leasehackr.com/u/redvictory)\ **Post date:** [January 11, 2026, 5:17pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/23 "2026-01-11T17:17:51Z")
So I went this route recently. I originally bought my daughter a used car but she got into a fender bender and it had to be totaled. I then got her a blazer ev one pay lease.. It was a really good deal 6000 one pay and she used it without any problems for her senior year. Now I am driving it for the remaining time on the lease. ---
**Author:** ![9benua](https://leasehackr.b-cdn.net/letter_avatar/9benua/32/5_5575768a8748004e209b776fc1b2916d.png) [@9benua](https://forum.leasehackr.com/u/9benua)\ **Post date:** [January 11, 2026, 6:38pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/24 "2026-01-11T18:38:20Z")
Huh? Why not? That’s the reason you put a teen on old paid off car. If they’re in accident and it’s their fault, just write off the car. ---
**Author:** ![Jimzigg](https://leasehackr.b-cdn.net/letter_avatar/jimzigg/32/5_5575768a8748004e209b776fc1b2916d.png) [@Jimzigg](https://forum.leasehackr.com/u/Jimzigg)\ **Post date:** [January 11, 2026, 6:42pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/25 "2026-01-11T18:42:13Z")
Agree that’s exactly why you have your kid on liab only self insure for collision ---
**Author:** ![Oreo12](https://leasehackr.b-cdn.net/letter_avatar/oreo12/32/5_5575768a8748004e209b776fc1b2916d.png) [@Oreo12](https://forum.leasehackr.com/u/Oreo12)\ **Post date:** [January 11, 2026, 8:26pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/26 "2026-01-11T20:26:16Z")
I own a Volvo currently, was looking into leasing a xc40 for safety for him, she was indeed very lucky. ---
**Author:** ![Ursus](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/ursus/32/4944_2.png) [@Ursus](https://forum.leasehackr.com/u/Ursus)\ **Post date:** [January 11, 2026, 9:32pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/27 "2026-01-11T21:32:04Z")
I have big question about XC40 safety and its “forward collision avoidance” system after it did not engage to prevent swiping a parked car at 23 mph. ---
**Author:** ![douglashowitzer](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/douglashowitzer/32/211493_2.png) [@douglashowitzer](https://forum.leasehackr.com/u/douglashowitzer)\ **Post date:** [January 13, 2026, 11:18pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/28 "2026-01-13T23:18:54Z")
Car accidents are one of the leading causes of death among young adults, especially new teen drivers. Older cars are not built for the monstrosities on today’s roads. The latest IIHS standards have forced manufacturers to update their safety cages and overall survivability. I really can’t implore people enough to forgo the old mantra of putting your kids in a beater. The cars can be replaced folks. ---
**Author:** ![jeisensc](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jeisensc/32/224821_2.png) [@jeisensc](https://forum.leasehackr.com/u/jeisensc)\ **Post date:** [January 13, 2026, 11:44pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/29 "2026-01-13T23:44:57Z")
I have replaced an embarrassing number of volvo tow hook covers: the part is $30 and only comes unpainted in black. The last time I had paint mixed for one (minimum) was $260. I’ve had 50/50 success buying already painted ones off eBay. ---
**Author:** ![jeisensc](https://leasehackr.b-cdn.net/user_avatar/forum.leasehackr.com/jeisensc/32/224821_2.png) [@jeisensc](https://forum.leasehackr.com/u/jeisensc)\ **Post date:** [January 13, 2026, 11:54pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/30 "2026-01-13T23:54:14Z")
> [@Ursus](#): > > big question about XC40 safety and its “forward collision avoidance” system after it did not engage The move from Sensus to Google was 11 steps backwards to go 9 steps forward, the quality control has been dismal. They just did a 2nd backup camera recall because the last fix didn’t completely fix it - 4.x fix coming over the air anytime. You know my 🇸🇪 experience has been mixed: 3.6.4 with pip 360 camera has been the most stable of any Volvo I own. The only problem I have is my charging plug won’t unlock first or second time, I have to keep locking and unlocking the car until it finally clicks. Lane keeping, FCA, RCA all behave 99% of the time. Over the holidays I finally found and setup a suitable Volvo VIDA workshop PC: a 13” 2020 Intel MBP with bootcamp. I got tired of returning 🗑 Dellz. ---
**Author:** ![Jimzigg](https://leasehackr.b-cdn.net/letter_avatar/jimzigg/32/5_5575768a8748004e209b776fc1b2916d.png) [@Jimzigg](https://forum.leasehackr.com/u/Jimzigg)\ **Post date:** [January 13, 2026, 11:55pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/31 "2026-01-13T23:55:48Z")
Kinda depends on your definition of beater. I was able to get a high mileage 2015 Lincoln that had some reasonable safety features for 3000 bucks. It doesn’t have 2026 safety but it’s not horrible. ---
**Author:** ![EC99](https://leasehackr.b-cdn.net/letter_avatar/ec99/32/5_5575768a8748004e209b776fc1b2916d.png) [@EC99](https://forum.leasehackr.com/u/EC99)\ **Post date:** [January 24, 2026, 2:56pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/32 "2026-01-24T14:56:48Z")
> [@Ursus](#): > > Btw, I was told by my insurance agent that Subaru had lowest rates to insure a teen. I was at an event last night talking to an actuary who did some consulting for a large insurance company in the area. I thought of you when he echoed your statement. From a risk standpoint, Subarus are the least risky affordable vehicles. The gist of it was that in many places insurance company are so limited in what they can use to determine risk (Disclaimer: risk doesn’t always correspond to rates) that a lot of risk setting is just done by profiling the vehicle. You want a car that profiles for a 30+ college educated woman and not one that you frequently see ride share drivers using. That is a Subaru. ---
**Author:** ![system](https://leasehackr-assets.b-cdn.net/original/3X/f/7/f76e5433b417879e07ad6f0cee47e239c8f1cdd4.png) [@system](https://forum.leasehackr.com/u/system)\ **Post date:** [March 25, 2026, 2:57pm UTC](https://forum.leasehackr.com/t/leasing-risks-for-a-teenager/738304/33 "2026-03-25T14:57:07Z")
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