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Auto Insurance for Twins

Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella...

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Reviewed byDaniel Walker
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UPDATED: Mar 19, 2020

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The lowdown...
  • When twin brothers or sisters buy auto insurance, they aren’t going to have the same rate just because of genetics
  • Twins age and experience ratings for insurance will be the same as long as they were licensed at the same time
  • Living in the same home will make your rates more similar and it will also qualify you for more insurance discounts
  • For as long as you can, buying a family plan will make you eligible for multi-car and multi-policy savings
  • The type of vehicle that both you and your sibling have will impact your rate because of its ISO rating

In the United States, the twin birth rate record has hit a high at three percent. That means that out of every 1000 births, around 33 of them are twins.

If you’re a twin, you know that you live in a unique world where you’ve shared one of the most precious moments in life with another human being.

Twins share a lot of things in life, especially in childhood. They share:

  • DNA
  • parents
  • clothing
  • toys
  • a room

As twin siblings start to come into their own and grow into young adults, they might even share their first car. The moment that you and your sibling get a car, you need to get insurance.

Enter your zip code into our free rate tool above to find the best price for auto insurance.

Do you need insurance if you and your twin have permits?

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The first step to becoming a full-fledged driver it to get your learner’s permit.

If you live at home with your parents and you’ve convinced them to allow you and your brother or sister to get your permits, you don’t have to worry about any financial implications.

When you live at home with your parents as a high school student or a college student, you’re going to be able to get coverage under their personal auto policy.

Teens are notorious for making their parents’ premiums skyrocket, but not when you have solely a permit. Most carriers will provide automatic complimentary coverage to their clients with teens who are practicing for a license.

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How much does it cost to insurance twins as teens?

Your mother and father’s insurance rates are going to shoot through the roof regardless of what they’re currently paying as soon as their teenagers are licensed.

When you and your sibling are turning 16 at the same time, that makes life even harder for your parents because they’ll be adding two licensed teens at once.

On average, adding one teen to your insurance will raise your rates by 79 percent. Adding a teenage son costs a lot more than adding a teenage daughter.

New male drivers increase rates an average of 98 percent and their female counterparts will only lead to an increase of 73 percent.

While the rules of mathematics would tell you that you should just add together the average increases to determine how much it will cost to insure twins, but those rules don’t apply here.

If you’re adding one teen, the change in premium is drastic. You’ll still pay a higher rate to add a second teen, but since you’ll already have a risky driver on the plan it won’t cost twice as much.

Adding Twin Drivers and a Vehicle

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Adding a teen with no car of their own makes enough of a difference to an existing insurance policy. Now, imagine how much it will cost if you’re adding a car and along with two newly licensed drivers.

Depending on how many cars and drivers there are in the home, the policy could be three or four times higher than it originally was.

If you and your twin are going to share a car, the two of you will have to decide who is going to be listed as the primary driver of the car and who will be the secondary driver.

Both of you can drive an equal amount of time, but the rate for each classification can change. It’s best, in scenarios where there is a brother and a sister, for the sister to be a primary driver because she’ll have a lower rate because of her gender.

How long should a twin stay on a family plan?

One of the things about sharing everything with someone is that it can create a huge desire to be independent.

If you’re growing up and you want to branch off and buy your own coverage, you should wait until you no longer can stay on a family plan. That usually means you’ll have to move out of the home.

As a young driver, you will pay extremely high rates on your own. You won’t benefit from your parents’ driving experience, their insurance credits, or any other savings on the policy.

You’ll lose multi-car rates, multi-line discounts, and loyalty credits. If you live at home with your parents or you live with your adult twin, you should stay on a family plan for some more than noticeable discounts.

Will you pay the same rate as your twin?

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When you finally take the leap and you move out on your own you’ll have to get a separate auto insurance plan in place. When you’re shopping around for a plan, it’s almost natural for you to talk to your twin to see if the two of you are paying similar rates.

No matter how similar the two of you are, that doesn’t mean your insurance rates will be.

There’s a never-ending list of different rating factors that will affect your insurance quotes.

Every little piece of information that you give, aside from your phone number and email address, is used to rate you and give a custom premium. Your age and your driving experience might be the same, but the following factors can be different:

  • Gender
  • Occupation
  • Credit-based insurance score
  • Vehicle type and model
  • Your driving record
  • Your current claims record
  • Address where vehicle is stored
  • How often you drive
  • How many miles you drive
  • Coverage options you selected

As you can see, you can’t just double up on insurance because you’re a twin. Every person has their own unique rate that is determined by personal factors.

Get online quotes right here to assess how much your insurance will be on your own and then you can determine which way is best to buy car insurance.

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