How much does it cost to add a teenager to car insurance?

You have a son or daughter who just got their driver’s license and can’t wait to get behind the wheel. But before you can hand over the keys, it’s important to answer a crucial question: How much does it cost to add a teenager to car insurance?

The average cost to add a teen between the ages of 16 and 19 to your policy is $3,798, according to auto insurance from 2022. com rate analysis.

What you actually pay depends on several factors, but you’ll pay higher premiums once you add your teen to your auto insurance policy. In fact, the cost of adding a teen to your auto insurance policy can increase your rate by 50% to 100%, according to the Insurance Information Institute.

The good news is that once they establish a good driving record, you can expect premiums to drop as they reach their 20s.

Here’s what you need to know about the cost of adding a teen to your car insurance.

how much does it cost to add a teenager to your auto insurance policy?

If you add a teenager to your auto insurance policy, you can expect to pay an average annual rate of $4,144 with a 16 year old, $3,985 for a > 17 years old, $3,718 for an 18 year old and $3,343 for a 19 year old, according to carinsurance.com data from 2022.

“Teen drivers are inexperienced drivers who are less aware of their surroundings and tend to drive too fast and less responsibly, making them more likely to have a claim,” says ben galbreath, producer and agent independent insurance. with wallace & turner insurance in springfield, ohio.

Below, you’ll see the average cost of adding teen driver cost for comprehensive coverage in each state:

Parents can save money by adding teens to their own policies. carinsurance.com guides cover everything you need to know about insuring a teen and viewing rates on her state:

  • 16 years old
  • 17 years old
  • 18 years old
  • 19 years old
  • 20 years old
  • Does it cost more to add a teenage male driver than a female?

    teenage male drivers generally cost more to insure than female drivers. why? The average cost to add a teen to your auto insurance policy comes down to risk.

    katie sopko, agent/manager at insurance agency with insurance plus in greenville, south carolina, says statistics show that male motorists cause about 6.1 million accidents per year versus 4.4 million per year caused by women.

    “Women are, simply put, more careful drivers than men, on average,” Sopko says.

    How can you get a good deal on teen car insurance?

    carinsurance.com’s parent’s guide to best insuring a teen provides more detail, but here are the best tips for getting the lowest rates for teen drivers.

    check when you get insurance for a teen

    The more you pay for insurance, the more likely you are to save money. Insurance companies price your insurance coverage differently, and what might be cheaper for your neighbor might not be for you. It’s a good idea to check other auto insurance companies’ quotes when adding a teen driver to your policy.

    buy the right car for your teenager

    The best cars for teens are those with underpowered safety features. If the vehicle your teen drives is old enough to get by on liability insurance alone, that will also lower your insurance costs.

    “Consider purchasing an older vehicle model for your team to drive. A sedan is usually better at lowering your costs compared to a sports car or SUV,” Galbreath says. “I recommend covering the teen for liability only until he is in his early 20s, which is the age when coverage rates tend to drop.”

    Do I have to add my teenager to my car insurance?

    State laws vary, so be sure to notify your car insurance company that you have a young driver, but there are some general guidelines:


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