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The Average Teen Auto Insurance across the United States

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Things to Remember...
  • It is very important that parents talk to their teens about following traffic rules and monitor their driving
  • According to the National Safety Council, each year young drivers cause more than six million collisions, which results in up to 14,000 fatalities
  • According to the Insurance Institute for Highway Safety, the fatal crash rate per mile driven for 16-19 year-olds is nearly three times the rate for drivers over the age of 20

There is no average cost or structure that defines teen auto insurance across the United States. While parental worry about teens driving is largely universal, teen insurance varies depending on factors such as

While parental worry about teens driving is largely universal, teen insurance varies depending on factors such as model of car being driven by your teen, your location, and the applicable discounts you find, among others.

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Why are rates high for teenage drivers?

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According to the National Safety Council, each year young drivers cause more than six million collisions, which results in up to 14,000 fatalities.

While young drivers hold only 13 percent of licenses issued in the United States, they are responsible for 28 percent of traffic crashes and 24 percent of deaths caused by traffic crashes.

It is very important that parents talk to their teens about following traffic rules and monitor their driving

When you add a teenage driver to your insurance policy, it is likely to skyrocket.

This is because research has shown that teenagers have relatively poor driving records, higher incidence of accidents and tend to cause damage that is more expensive to fix.

According to the Insurance Institute for Highway Safety, the fatal crash rate per mile driven for 16-19 year-olds is nearly three times the rate for drivers ages 20 and over.

This high rate is largely due to youthful tendencies to take risks and the lack of driving experience.

The issue of gender also causes a huge difference in the way your insurance rates are affected. Adding a female teen to an auto insurance policy is likely to double your cost but if you have a teenage son, be prepared to triple your insurance bill!

This is because teenage boys are considered riskier drivers and are expected to drive more.

The best way to deal with the stress of sending your teenager out with your car is to educate yourself about the laws that govern teenage driving, as well as the means to protect your family through insurance.

Understanding Various State Laws for Teenage Drivers

Various studies have shown that teenagers are risky drivers. They are inclined to overrate their skills behind the wheel and are more likely to ignore traffic rules.

So every state has licensing requirements in place that are meant to address these risks and reduce the incidence of traffic accidents and fatalities.

All states have a graduated driver licensing (GDL) procedure in place that is meant to assist teen drivers master driving skills under less risky road conditions.

According to the Insurance Institute for Highway Safety, this means restricting nighttime driving, limiting the number of teenage passengers and assuring the maximum number of hours driving with an experienced licensed driver.

The Graduated Driver Licensing system has reduced teen crashes by an average of up to 30 percent in every state.

All states have a three-tiered GDL system: learner stage, intermediate stage, and unrestricted stage.

Each stage has five key provisions that include:

  • What age the teen driver gets his or her permit
  • Assigned practice driving hours,
  • Age for getting a full-fledged driver’s license
  • Night driving hours
  • Restriction on the number of passengers

Each of these defining aspects varies from state to state.

Teenagers can get their learners permit between 14-16 years of age depending on what state they live. They are required to be supervised by a legally licensed parent, stepparent, grandparent, appointed guardian, or a driving instructor.

They are required to be supervised by a legally licensed parent, stepparent, grandparent, appointed guardian, or a driving instructor.

Since the United States does not have a national GDL law, each state decides its rules and requirements. So take the time to find out the different provisions that apply to your teenage driver.

You can find all the information at your state’s Department of Motor Vehicles (DMV) website or local office.

How much insurance does a teenage driver need?

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Like any other driver, your teenage driver needs to have auto insurance. You should let your insurance company know that your teenager has started on his or her licensing procedure and has a learner’s permit.

He or she will not be listed on your insurance policy until properly licensed.

While most states have variations in their insurance requirements for teenage drivers, they largely require a minimum amount of liability coverage.

For instance, Arizona requires teen drivers to get 15/30/10 coverage.

If the teen causes or contributes to the accident, he or she will be covered for up to $15,000 for medical expenses per person, $30,000 maximum for medical costs incurred by the total accident, and $10,000 for property damage caused.

But most insurance experts and financial planners suggest higher limits.

No matter how much coverage you opt for, there are different strategies that can help reduce.

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Comparison Shopping

Buying insurance is like shopping for any other expensive object. Bargain hunting is mandatory if you want to get low priced insurance.

While most parents automatically add their children to their insurance policy, it might make sense to get a safe old clunker for your child and get separate insurance.

It is likely to be cheaper than listing him or her as a driver of a new and expensive car.

Discounts Galore!

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Insurance companies have a large number of discounts that can apply to your teen.

If he or she is a good student and carries an average 3.0 GPA, you can get a good student discount.

A good student discount can lower the premium for your teenager by as much as 25 percent.

Listing your teenager as a driver of your cheapest car also lowers the premium.

If your child is away at college and does not take the car, you can drop them from your insurance policy.

Alternatively, if they are likely to drive the car when they come home for the holidays, listing them as occasional drivers can help lower your rate.

Auto insurance companies also extend discounts to teenagers who attend and successfully complete certain recognized driver’s education courses as well as defensive driving courses.

Also, make sure that you have all your adult discounts in place such as good driver, limited mileage if you telecommute for work, and professional discounts, among others.

Insurance companies also give out multiple-auto discounts if you were to insure all your cars with one company.

Additionally, bundle your insurance needs such as rental or homeowners, life, and medical with your auto insurance to get a substantial discount.

Tip 3: Buying the Right Car for Your Teenage Driver

If you are planning to get your new teen driver a car, there are certain cars that are best avoided.

Muscle cars and sports cars are siren calls for speeding, large SUVs and trucks are difficult to handle and can carry a large number of passengers who can distract your teen driver, while small compacts are not sturdy enough in case of an accident.

While they might not have the cool factor that is a teenager’s mantra, a late model four-door/four-cylinder car is your best bet.

Not only do they come with all modern safety devices and have great gas mileage but also they are also cheaper to insure.

If you are buying a used car, you must look at its repair and maintenance record to make sure that it did not have any major issues such as engine fires, water damage or any major accidents.

It is important to get an old car a thorough check by a licensed and trusted mechanic.

Make sure you check the brakes, windshield wipers, seat belts, head, and tail lights properly since they undergo relatively rapid wear and tear.

Talking to Your Teen Driver

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Teenage driving is a source of immense stress for parents. Given the dreadful accident statistics, it is imperative that you talk to your teens about safe driving. Certain steps should be non-negotiable.

Seat belts should be made mandatory.

 As increasing number of teens get hurt because of cell phone use while driving, texting and talking behind the wheel should be avoided.

Drinking and driving is also rising among teenagers. Not only is underage drinking a punishable crime, the loss of life and property because of DUIs can change the life of your teenager and your family.

It is important that your teenager understands the far-reaching implications of drinking and driving.

Keeping a clean driving record is another indication of safe driving.

Parents need to talk to their teen drivers about sticking to speed limits, following traffic rules, proper parking, proper signaling while turning, and good road etiquette.

Not only will this keep them safe, it will help them lower their insurance rates.

Getting Insurance for Teenage Drivers

If it that time of your life, where your impatient teenager is chomping at the driving bits, your stress level is likely spiking.

However, proper driver education and some research on your part will set your teen off on the road as a safe, properly insured driver.

As the wide expanse of the Internet allows insurance companies to set up shop, there are all kinds of alluring advertisement telling you about the best insurance that will safely cover your teenage driver.

Do your due diligence before signing the paperwork.

Put your zip code into the FREE search toolbox found on this page to get affordable car insurance quotes to fit your needs!

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