Car insurance for teens
When it comes to teen drivers and car insurance, things get confusing - and expensive - very quickly. A parent adding a male teen to their policy can expect their new rate to run as high as $6,186, and in some cases 227% higher than insuring an adult driver alone, and a teen buying their own policy can be even more expensive. Let us guide you through this decision - discounts, options, special circumstances - so you find the best teen car insurance.
Even though the right answer is usually to add them onto your policy to mitigate some of the cost, there are other options and discounts that can save you money. We did as much of the legwork as possible for you, hunting down discounts and reading the fine print. In the end, you'll need to compare auto insurance quotes using our quote comparison tool to see which company is best for you.
To start at the beginning, simply scroll down. You can also jump directly to your unique situation:
Adding a teenager to your car insurance policy
Teen buying their own policy
How much is car insurance for teens
Discounts for teen drivers
Other sections:
Car insurance for college students
Learner's permit insurance
Opt for no coverage savings option
Cheat sheet for Adding a teen and Teen policy
Getting Started: An Easy Primer
Know your timing. Chances are excellent your existing car insurance company will contact you proactively. How do they know? Easy - they probably asked you for the names and birthdays of all the children in your home when you first signed up for your policy. So, if your teenager is 16 or 17 now, they know all about it. If you don't get the call, it makes sense to alert your carrier once your teen gets a learner's permit to talk through your options and to give yourself time to compare car insurance companies. In general, permitted drivers are automatically covered as a part of the parent or guardian's policy with no action needed on your part, but when they do have a true driver's license, even provisional, they will need to be on your policy or get their own.
Get ready to compare quotes. Our research shows that insurance companies all across the U.S. (except Hawaii) use age and experience as a rating factor. It's a fascinating point of difference. In our studies, adding a teen raises your costs anywhere from 100% to more than 200%. However, the rates insurance companies will charge you for adding a teen varies widely, as show in the California Adding A Teen To Your Policy table below. Also,
Understand available discounts. When you add a teenager to your car insurance policy or they get their own, car insurance companies don't actively communicate what discounts are available to you. Use our discount guide below so you're not in the dark.
Adding a teenager to your car insurance policy
Adding a teen to your policy is the cheapest way to get your teen insured. It still comes with quite a hefty cost, but you can certainly save if you choose the best car insurance companies for teens. We can help.
How much will adding a teen to my car insurance cost me?
Let's get down to numbers. Every situation is different, but to get a solid snapshot we compared rates in 10 zip codes in each state. The family profile we used owned a 2014 Honda Accord driven by a 40-year old man buying full coverage. Then we added a 16-year old teen to the policy. Here's what happened:
The average household's car insurance bill rose 152%.
A teenage boy was more expensive. The average bill rose 176%, compared with 129% for teenage girls.
California rates rose the most, more than 200%.
The reason behind the hikes: Teens crash at a much higher rate than older drivers - the risk is four times as much. According to the federal Centers for Disease Control and Prevention, the worst age for accidents is 16. They have a crash rate twice as high as drivers that are 18- and 19- years old.
Costs also vary widely by insurance company, which is the reason we suggest shopping for car insurance. It's easy to switch car insurance companies, and we'll provide you the guidance to switch, cancel, and save.
California Adding A Teen To Your Policy Rates by Company
The table shows how much your annual rates will increase when you add a 16-year-old teen.
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