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Teen Auto Insurance

If you are currently searching for teen auto insurance, you have no doubt come across some pretty high premiums. The reason for this is teens, especially males, are considered some of the highest risk drivers on the road today. This does not mean that your teen had or will ever have an accident, but in the eyes of auto insurance companies, the probability of a male teen (typically between the ages of 16 and 17) having an accident is much higher than most other groups-including female teens.

Unfortunately, statistics do support auto insurance companies fears. According to the National Safety Council, drivers between the ages of 16 and 17 are three times more likely to be killed in a car crash than drivers between the ages of 25 and 64.

While adding a female teen to the family's auto insurance policy could double the policy rate, adding a male teen can more than triple the rate. That said, finding a somewhat "reasonable" auto insurance rate is possible. Keep in mind that a "reasonable" auto insurance rate does not necessarily mean a "cheap" auto insurance rate - especially if you are adding your teen to your existing auto insurance policy. There are several ways to help lower the costs of teen auto insurance, making it a bit more affordable than usual:

  • Your teen can purchase his or her own personal auto insurance policy, especially if your teen is driving an older vehicle.
  • You can classify your teen as an "occasional" driver rather than a "primary" driver on the family auto insurance policy.
  • You can enroll your teen in a defensive driving course, and upon completion he or she may qualify for a reduced premium.
  • Purchase a low-performance vehicle (sedan) for your teen rather than a high-performance sports car or SUV.
  • Inquire about student discount for teens with a B average or better.

If you are lucky enough to get a discount on teen auto insurance for any of the reasons listed above, in order to keep your rates low, there are several things that you and your teen can do to avoid accidents and tickets that will inevitably drive your rates up to a point where you may not be able to afford it. These include the following:

  • Limiting the number of passengers allowed in the car with your teen.
  • Assigning an early curfew.
  • Riding with your teen as often as possible in order to reinforce safe driving behavior and skills.
  • Limiting the amount of time your teen is allowed to drive the vehicle.

Get multiple free teen auto insurance quotes here at AutoInsuranceTips.com. Simply enter your zip code in the box above to begin.