How much did your car insurance go up by adding a teen driver?

[ruadisneyfan2]

Ds17 will be taking his road test end of Feb. Our car insurance renews mid-March. I can't even guess how much it will go up.
He won't have his own car yet. It will be 3 drivers in the house with 2 cars if that matters so he wouldn't be listed as a full time driver on any car.

We currently pay around $1800/yr for a 2011 Chevy p/u truck & a 2006 minivan for full coverage, extra PIP, and fairly low deductibles.

Thanks!!

 

[Jedana]

DD1 doubled it.

She moved out, got her own insurance, so it went back down. No problems there.

Then DD2 doubled it.

But it was a battle to remove her from our insurance, as she didn't have her own. She didn't have a car, though, and didn't drive anyone else's, so she didn't need it.

 

[Green Tea]

If you don't add a third car for a third driver, it isn't too bad. The huge increase comes when the teen has a car "available' to them. As an occasional driver on your family cars it won't be shocking.

Girls are less than boys. Even when the girl has tickets and wrecks, they are less than boys. Go figure....

 

[APiratesLifeForMe2]

I'm an insurance agent and while I don't have kids of my own, I have seen the impact teenage drivers have on premiums in hundreds of scenarios.

I can tell you with most companies, having a youthful driver who does not have their own car does help. Have you called your insurance company yet? We always provided quotes on what the estimated premium would be. Most likely there are discounts they will be eligible for to help offset the big price increase. I would recommend talking to the insurance company about these discounts before they get their license so you have time to gather any necessary paperwork. This will allow the discounts to start from day 1. Plenty of our clients saved over $200 a month for good grades and drivers training but took several months to send us the papers required to add the discount.

Good luck!

 

[kellia]

Adding dd to our full coverage cars would have doubled our insurance. We bought her a car and put just liability on it, that was about $1200/year. Check with your insurance about what type of car you get her, though. That makes a big difference on price. We got her a 2003 Buick. Not surprisingly, the demographic driving those are not causing many accidents!

 

[Burnedout]

With good student discounts each of our boys cost is $100 more a month.

 

[daughtersrus]

Ds17 will be taking his road test end of Feb. Our car insurance renews mid-March. I can't even guess how much it will go up.
He won't have his own car yet. It will be 3 drivers in the house with 2 cars if that matters so he wouldn't be listed as a full time driver on any car.

We currently pay around $1800/yr for a 2011 Chevy p/u truck & a 2006 minivan for full coverage, extra PIP, and fairly low deductibles.

Thanks!!

Check with your insurance agent and see if they offer any type of discount for passing a defensive driving type course. State Farm has something called Steer Clear. It will give you a discount until they turn 26 as long as they are not at fault for an accident or get a ticket on their record.


Also ask about a discount for good grades.

I only have DDs but as others have said, adding them as an occasional driver didn't raise the rates too much. The agent insured them on the least costly vehicle even if that isn't the one that they would normally drive.

 

[pklein09]

Our oldest DS will get his license this summer. When I called my insurance company, I was pleasantly surprised to hear that it would only be about $500 more per year to add him....and we're in New Jersey. We also have a third car, so he will have full access to that vehicle. When I asked why, because I was expecting our premiums to double, she said it depended on lots of things. Is he a good student? Did he take behind the wheel classes? Will he take their online defensive driving class? Also, she said it depends on the driving records of the parents. This apparently is a biggie. We've never had points on our licenses. The only accident in the last 15 years (since we've been in this house) was 2 winters ago when my husband slid on ice and hit another car (minor damage).

ETA: We have a 2010 Toyota Sienna, 2002 BMW 325i, and a 1999 Buick Century (kids car). Funny thing....the Buick is the low mileage car in the house! It was my Nana's car, and she didn't drive much.

 

[disfanforlife]

Cost us about $500-$600 a year for each DD. both have good student discount and drivers Ed discount. Don't have their own cars, listed as occasional driver on ours. We have two cars both with full coverage and only a few years old.

 

[knkmom]

Our insurance went up about $700 for the year when we added dd (full coverage on 2 paid for vehicles). By the time we added ds, dd had bought her own car and moved out so she was off our insurance but adding him doubled our insurance.

 

[Denise W]

If there are more drivers than vehicles, the new driver will be rated on the highest rated vehicle on the policy, even if they never drive it. If you have the same number of drivers as vehicles, you assign the new driver to the vehicle they will be driving and they will be rated on that vehicle.

Denise

 

[pat fan]

None, because we never added them. They had their own vehicles and jobs to pay for their insurance. Driving is a privilege and if they wanted to drive they needed to work for it. Taught money management, responsibility, priorities etc...

 

[tvguy]

With good student discounts each of our boys cost is $100 more a month.

Same here, about $100 more per month per child.

No good student discount after they discovered good students drive more miles and crash more often.

 

[tajz90]

Ours went up about 400. He gets a good student discount.

 

[Pembo]

Doubled - we bought a third car about a year after he got his license, the increase was minimal.

 

[taymaesmom]

We paid $105 a month, added dd as a third driver at 16 (no car of her own) and our insurance went up $50. When she got her own car it went up another $55. She now pays that portion at 19 but is still on our insurance since its cheaper for her, we have all our insurance through State Farm and have a large multi line discount.

 

[MinnieForMe]

None, because we never added them. They had their own vehicles and jobs to pay for their insurance. Driving is a privilege and if they wanted to drive they needed to work for it. Taught money management, responsibility, priorities etc...

My son was shocked when we told him that we wouldn't add him to our insurance until he had a 1/3rd of the year in savings and a job to pay it monthly. He's a very responsible kid and I felt bad but if he wants an adult privilege than he'll work for it. I'm proud to say he has the first $500 saved!

We will buy him a car but he'll be responsible for paying us each month according to his means. I don't want his grades to suffer so he'll only be able to contribute what he makes working weekends.

Personally, I don't feel he needs to drive yet but tell that to a teenage boy!

$1800 a year for an additional driver on a 2005 Minivan.

 

[danygirl]

Depends on your state. Ours went up 100 per month for each kid

 

[WVMomof3]

Does anyone have an umbrella policy? I was told that went up a shockingly large amount also when adding a teen driver. We will be adding our DD soon, haven't called yet to find out new rates.

 

[way2tyred]

.ce.