Auto Insurance for Twins

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Things to remember...

  • Car insurance companies don’t provide discounts for twin drivers
  • You will need to pay double the amount to insure two teenage drivers
  • Male teenager drivers are statistically more aggressive than female teenage drivers, so insuring your teenage twin sons will cost more
  • You can reduce the cost of car insurance for your teenage children by encouraging them to take driver’s ed. and improve their grades in college or high school

Car insurance policies for teenagers aren’t cheap to start with, but when you tack on a twin teenage sibling, your policies become twice as expensive.

Car insurance providers don’t provide a discount for insuring two teenage twin drivers because, in most cases, the company rates the twins as two inexperienced drivers, which ultimately, means double the risk for the company.

Although your car insurance premiums will decrease as your teenage twin sons or daughters gain experience behind the wheel, until that time, you’ll need to bite the bullet and pay the higher premiums for first-time teenage drivers.

To help keep your costs as affordable as possible, it’s important to not settle for the first company you contact. Online comparison tools can give you a range of quotes from several, different insurance providers to help you choose the one that best meets your needs and your budget.

Start comparison shopping today and find affordable auto insurance for your teen twins! Enter your ZIP code above and compare at least three to four policies!

It is Expensive to Insure Teen Drivers


Teenage drivers are three times more likely to be in a car crash, according to the National Highway Transportation Safety Administration.

Statistics indicate that teenage male drivers are also two times more prone to collisions than teenage female drivers.

As a result, you’ll get a significant premium break by insuring twin daughters compared to insuring twin sons.

The high costs of insuring a teenage driver are due to their susceptibility to car crashes, but why is this? Why are teenage drivers more likely to get into an accident than drivers of other ages?

Here are a few reasons:

  • Engaging in risky driving activities — Teenage drivers are more apt to demonstrate dangerous driving activities, including speeding, driving while distracted, tailgating, running a red light, making illegal turns and overtaking other vehicles, to name a few.
  • Skill deficiencies — Younger drivers are more inexperienced than older drivers and therefore lack certain driving skills that could be important on the road. In other words, they don’t have the quick-thinking or “know-how” to react in life-threatening situations.
  • Alcohol and drug use — Substance abuse and alcohol are among the leading factors behind teenage car accidents. Compared to drivers of other ages who also consume drugs and alcohol, teenage drivers are more likely to cause an accident.
  • Lower risk perception — Another common trait among teenage drivers is the feeling that they are invincible behind the wheel, which ultimately leads to risky driving behaviors and increases the likelihood of a car accident.

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How to Choose the Best Insurance for your Teenage Twin Drivers

The only way you can ensure you’re getting the best rate possible is to request quotes from multiple insurance companies and compare them to your needs and your budget.

Many online comparison tools allow you to check for any discounts or benefits for which you could be eligible.

You could also work with an agent who has experience in the industry and who can help you find a policy that offers the coverage you need at a price you can afford.

How to Save Money on Your Teenage Twin Drivers’ Policies


Although driving is a rite of passage for teenagers throughout the country, parents are often less than enthused. Not only are their children out on the open road, but car insurance premiums can also significantly affect the family’s finances.

Insuring your teenage twin drivers can be a costly, stressful affair. However, there are a few ways you can try to save money on your teenage twin drivers’ car insurance policies:

— Opt for a Restrictive Driving Policy Instead

A restrictive driving policy provides coverage for your teenage twins when they are on breaks from school. If your kids are college-aged, they’ll probably be living in a nearby apartment or college dormitory while attending classes on-campus and won’t be doing much driving.

You can save money by switching to a restrictive driving policy that only covers your teenage twins for a specific number of days per year. In some cases, opting for this policy can lower your rates for keeping standard coverage when they go back to everyday driving.

— Implement Monitored Driving

Some insurance companies allow parents to install a telematics box inside the teenage drivers’ vehicles. Telematics boxes are designed to monitor their driving habits, and they automatically report back to the insurance company.

When your provider witnesses that your teenage twins are exhibiting safe driving habits, it may be more likely to reduce your premium rates.

— Other Ways to Decrease Insurance Premiums for Young Twin Drivers


When shopping for a policy for your teenage drivers, it’s important to ask your current company whether or not you’re eligible for any discounts or savings.

If your provider is unwilling to work with you, you may consider shopping around for a new car insurance policy quote that may be better suited for your needs and your budget. The following are several other ways you may be able to lower the cost of your premiums for your teenage twins:

  • Purchase a vehicle for your twins that has a higher safety rating than their current car
  • Consider increasing your coverage deductibles
  • Re-evaluate your need for collision or comprehensive coverage
  • Consider usage-based insurance, also known as “pay as you drive” insurance, whereby the costs are dependent upon the type of car they drive measured against place, behavior, distance and time
  • Encourage your young twins to improve their grades in college or high school as some providers offer a “good student” discount
  • Have your teenagers take and pass a driver’s education course

The right coverage for your family and your teenage twins doesn’t always need to be costly.

Although you may not believe you’re eligible for a certain discount, it doesn’t hurt to ask your current provider for more information.

Also keep in mind that every insurance provider has a different method of determining rates, which is why it’s so important to shop around when considering a policy. There’s always a chance that you’ll get a better offer from another provider, so compare as many quotes as possible before choosing one that’s right for you.

Enter your ZIP code below and compare auto insurance rates today to find the best coverage for your teen drivers!

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