Auto
Insuring a Teen Driver: What Parents Need to Know
Adding a teen driver to your auto insurance is expensive — but there are smart ways to manage costs. Learn what to expect and how to save.
Teen Driver Cost Estimator
Adding a teen to your policy is expensive — but there are ways to save.
Teen Details
Gender
$150
$50$500
Good Student (3.0+ GPA)?
Completed Driver's Ed?
Before
$150/mo
After Adding Teen
$368/mo
+$218/mo·+$2,616/yr·145% increase
How Premiums Drop Over Time
Age 16+145%
Age 17+125%
Age 18+105%
Age 19+85%
Age 20+70%
Age 21+55%
Age 22+42%
Age 23+32%
Age 24+22%
Age 25+15%
Tips to Save
Good Student Discount
3.0+ GPA saves 8-25%
Driver's Education
Completion saves 5-15%
Older, Safer Car
Lower rates than sports/new cars
Usage-Based Insurance
Safe driving apps can reduce costs
Stay on Parent's Policy
Much cheaper than a separate policy
Find the cheapest teen driver rate
Rates for teen drivers vary wildly by carrier. Compare 50+ in minutes.
Get Your Free QuoteEstimates for educational purposes only. Actual rates vary by carrier and individual factors.
How Much Does Adding a Teen Driver Cost?
Adding a teen driver to your policy is one of the biggest rate jumps a family faces. Teens are statistically higher-risk drivers, so carriers charge more until they build a clean driving history. The estimate below uses illustrative multipliers, not carrier rates.
The good news: discounts can cut that increase. Good student discounts (typically a B average or higher), defensive driving course credits, and choosing a safe, modest vehicle each lower the surcharge. Stacking multiple discounts can bring the total increase down to a manageable level.
Compare quotes from 50+ carriers to find the best deal for your family