Teen Driver Insurance: Why it Costs so Much

Posted by Jim Pietro on Sep 20, 2012 12:39:00 PM

As the father of two teenagers - one who has her license and another with a learner's permit chomping at the bit to get his - I understand both their excitement and every parent's anxiety for a couple of very good reasons. The first, of course, is the concern all parents have for the safety of their teen drivers, and another is their concern about the cost of insuring a teen driver.  teen_drivers 

In earlier blogs, I've focused on the increased accident rates for teen drivers with teen passengers as well as the dangers of texting and other distractions. And although I'll always be a champion of safety, in this blog I'd like to talk about that other part of the equation - the high cost of insuring teen drivers.

Adding just one teen to your family's auto insurance policy may more than double the cost of insuring two adults. Why? The answer can be found in the statistics:

  1. According to the Centers for Disease Control and Prevention, teen drivers are four times more likely than older drivers to be involved in an accident.
  2. The CDC also found that teens account for 58% of the cost of all injuries from automobile accidents, even though they represent only 14% of the population.

Teen Driver Insurance

Once your teenager has a license and is still living in your household, you must add him or her to your insurance policy. And, as I've already indicated, the costs are not insignificant. In general, adding a new female teen driver will add an additional 50-80% to your policy while adding a young male driver can raise your premim 100-150%!

And that's for new drivers without blemishes on their records. In Massachusetts, teens under 18 drive with a Junior Operator's License. During the first six months, they cannot drive anyone under the age of 18 (other than an immediate family member) unless they have a licensed driver over the age of 21 in the front passenger seat. Until they are 18, they are not permitted to drive between 12:30 a.m. and 5:00 a.m. Those who do not observe these regulations or who are cited for speeding or other traffic violations incur fines and other penalties and also drive the cost of insurance even higher.

Fortunately, there is some good news. Many of the insurance companies we work with offer discounts for students who have good grades or have taken an advanced driving course. So if your teen is a new driver or about to get a license, we invite you to give us a call at 508.791.5566, or shoot us a question at www.midstins.com.

After we explore all the variables, we'll put Mid-State Insurance Agency's commitment to 'individualized solutions' to work finding your teen - and your family-great insurance coverage at the best possible price.

Topics: Jim's Blog, auto insurance, teen drivers, advanced driver training, good student discounts

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