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 on Help Smart Phone and MEL Magazine.

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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, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Family Car Insurance

Most teenagers dream of turning sixteen and getting their driver’s license, but their parents may not because parents have to pay more for auto insurance if they add their child to the policy.

Just as each spouse’s driving record, history, age, and other factors affect the overall price of the policy, adding a child driver to the policy will affect the overall price of the policy.

Learn why adding a child to a policy is so expensive and how to manage to costs and then to find cheap teenager car insurance rates just enter your zip code into the free insurance comparison tool above!

Why does adding a child to a policy increase the cost?

You many be wondering why adding your child to your policy will increase the policy cost. There are many reasons for this. First of all, teenagers are considered high risk drivers.

Statistics show that the highest risk of vehicle accidents is among teenage drivers. Traffic accidents are the number one cause of death among teenagers in the United States. Teenagers 16 to 19 have the highest rate of traffic violations and crashes. All of these statistics and more make insurance for teenagers expensive.

Studies done across the country show some standard behaviors in teens that make their crash and violation rates so high. The first reason is poor hazard detection. When driving, detecting what may be hazardous and avoiding it is as much a life skill as a driving skill. Many young drivers have not yet fully acquired the reasoning to detect what is hazardous or to quickly process how to avoid the hazard.

Another reason is low risk perception. It is a popular sentiment that teenagers think they are invincible. To some degree, this perception shows up in their driving and they feel at lower risk for accidents than most adults do. Because their perceived risk of crashing is low and their belief that they can get out of a dangerous situations without harm is high, young drivers do not always avoid dangerous driving situations.

Adding to these is a teenager’s desire for risky behavior. Running a red light or a stop sign can become a game that seems fun and gives an adrenaline rush, but it doesn’t take much to cause an accident. Other risky behaviors such as speeding and tailgating have also been found to be popular among teen drivers.

Teenage drivers also tend to buckle up less than adult drivers do. This again, has to do with their low risk perception. Driving under the influence of alcohol and drugs is also a factor in a large percentage of teenage accidents. Though no one driving under the influence is safe, studies show that teen drivers under the influence are 10 times more likely to be involved in a fatal accident than adults driving under the influence.

Another risk factor for teen drivers is carrying passengers. The risk for an accident is nearly four times greater for a teen driver when they have passengers in their vehicle. This risk for a fatal crash increases each time a passenger is added to the mix. Teen drivers are heavily influenced by their peers, especially male teen drivers. When adding peers to the vehicle, teen drivers are much more likely to participate in risky driving behaviors.

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Are there any ways to decrease the cost of adding a child driver to a policy?

With an increase to insurance inevitable, many parents want to know if there are ways to decrease the cost of adding a teen driver to a policy. There are a few things that parents and teens can do to help lower the overall rate of a adding a teen to a policy. The first thing is making a wise car choice.

It is important to note that the type of car the teen will be driving will affect the rate of the premium. It could be that your child will be driving the family minivan or another family vehicle, but a sporty type of vehicle or an SUV with a teenager behind the wheel is an even higher risk for an insurance company. You can ask the insurance company what type of vehicle would result in the cheapest rate, before deciding what your child will drive.

Another way to lower the price is to require your child to take a driver’s education course. Some high schools and states require this while others do not. But if you enroll your child in a driver’s education course, they will get a rate reduction from most insurance companies upon completion of the course. Many insurance companies also give rate reductions for good grades and student volunteerism.

Find Cheap Teenager Car Insurance

Before you decide to add your child to your policy, shop around. Use our online comparison tool to see what type of teen rates different companies offer. A car insurance comparison tool can help you find a company with good rates that offers discounts for smart teen drivers. Enter your zip to start now!