While you likely expect your auto insurance rates to rise after adding a teen driver to the policy, the quote you receive may be much higher than expected. Depending on your area and the type of vehicle that they will drive, insuring a young driver can significantly increase your premiums. Below is more information about why this happens so that you can take steps to reduce your liability and payment amounts.

Why Young Drivers Are Expensive to Insure

Auto insurance rates depend on how likely the insurance agency thinks you are to experience an accident. To calculate the risk, insurers weigh many factors, including your driving history, type of car, and location. However, the age of the driver is one of the most significant elements that impacts the price.

auto insuranceIt may seem unfair, but insurance companies know that drivers between the ages of 16 and 19 have a disproportionate number of accidents. This is because they do not have as much experience behind the wheel as adults. Teens who just received their licenses are even more likely to experience an accident, so insurers may charge more for brand-new drivers.

How to Lower Auto Insurance Costs of Young Drivers

Insuring a young driver will be more expensive, and there are some steps you can take to reduce the cost. Start by comparing prices from several different auto insurance companies, since each carrier calculates their rates differently. Also, remember that it may be cheaper to buy your teen an individual policy, rather than adding them to yours.

Many carriers also give substantial discounts to individuals who complete an approved driver safety course. Safe driving practices will also lead to lower insurance rates, so ask your carrier about devices that track driving activity. If your teen drives responsibly, their rates will start to lower as they get more practice.


When you need reliable coverage for your teen driver, contact Reed Brothers Insurance in Lexington, KY. As an independent agency, they compare prices from a variety of leading carriers, doing the hard work so you don’t have to. Visit their website for more information about their auto insurance services. Call (859) 253-2728 to request a free quote.