Insurance Calculator
Teen Driver Insurance Calculator
Adding a new teen driver is one of the biggest jumps a family policy ever sees. Estimate the added cost — and how much good grades and driver training can claw back.
Rough estimate only. Actual rates vary widely by insurer, state, and vehicle — always get real quotes.
Your Situation
Your policy before adding the teen.
Some states no longer allow gender-based rating.
Estimated Added Cost / Year
about $106 more per month
New Annual Premium
$2,670
Increase
+91%
Discounts Save You
$310
By Age 19
+$690
Ways to cut the cost
Keep the teen on your policy (not their own), maintain good grades, add them to a safe older car, and ask about telematics/safe-driver monitoring programs.
How it works.
Frequently asked questions.
Why is teen insurance so expensive?
Drivers under 20 have dramatically higher crash rates than experienced adults, so insurers price in that risk. The cost is highest at 16 and declines each year of clean driving, dropping substantially by the early twenties.
Should my teen have their own policy?
Almost never while they live at home. Adding them to your existing policy is far cheaper than a standalone policy for a young driver, and it keeps your multi-car and multi-driver discounts intact.
What discounts should I ask about?
Good-student, driver-training, distant-student (if they attend school far away without a car), and telematics programs that track safe driving. Assigning the teen to the least expensive car on the policy also helps.