Why is it so expensive to add a Teenage Driver and How can I reduce the cost?

Plain and simple- Teenage drivers cost more because they get in more accidents and cost insurance companies a lot of money.

Not a big surprise there but the amount that insurance companies charge to add a young driver these days can be hard to swallow.

How then can I mitigate the cost to add a young driver to my policy?

  • Make sure they have above a 3.0 GPA. The Good Student Discount is significant.
  • Don’t buy them a car right away. If you have two vehicles and two adult drivers, a young driver can be rated as an “occasional driver” and will not impact your premium as much as if you add another vehicle at the same time.
  • Teach them to drive defensively. If you think the cost to add a young driver is expensive, wait until they get into their first accident or get their first ticket. 
  • Ask us about discounts for young drivers that take additional courses, some of our carriers offer safe driving courses and then additional discounts apply upon completion!


How can we help you today?