Teen driver insurance estimator shows you how much your premium will increase when you add a young driver to your policy. Adding a teen to your auto insurance is one of the biggest cost jumps most families face, with increases averaging 100% to 160% for a 16-year-old. Our free teen driver insurance estimator gives you a realistic range based on your current premium, your teen’s age, and available discounts.
How the Teen Driver Insurance Estimator Works
This teen driver insurance estimator uses industry-average rate data to calculate your expected premium increase. Younger teens cost more because they have less experience and higher accident rates. A 16-year-old typically doubles your premium or more, while a 19-year-old adds 45% to 70%. The tool also factors in discounts like good student, telematics, and driver’s education that can offset hundreds of dollars per year.
Why Teen Drivers Cost So Much to Insure
Insurance companies charge more for teen drivers because crash statistics show they are significantly more likely to be in accidents. According to AAA Foundation data, 16 to 17-year-olds experience nearly twice the crash rate of 18 to 19-year-olds. Use our teen driver insurance estimator below to see your personalized numbers and discover savings strategies that could cut your increase by 25% or more.
For more information about teen driving safety, visit the Insurance Information Institute.
Read our complete teen driver insurance guide for more tips, or browse all available insurance discounts.