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Adding a teen driver to an auto insurance policy can more than double premiums

Posted On Thu, July 28, 2011

A recent study found that adding a teen driver to an insurance policy can cause auto insurance rates to rise. While this is hardly surprising for most parents, many will be startled by just how much rates can skyrocket.

Quotes from various insurers across 25 states for the same fictional couple were compiled for the study, reports The rates included liability, full collision and comprehensive coverage for two vehicles, a 2009 Toyota Camry and 2004 Ford Expedition. The couple was given a clean driving record, and once initial insurance rates were gathered, the study added a teenage boy with a clean record to the policy.

When the teenager was added to the policy, the site says premiums increased in Seattle, Washington, 132 percent, from $847 to $1,963. While this seems extreme enough, there were far larger increases in other areas of the country. For instance, rates in Midvale, Utah increased from $539 to $1,440 when the teenager was added, an increase of 167 percent. In Hartford, Connecticut, rates soared 200 percent from $1,053 to $3,163. Scottsdale, Arizona had the highest increase of all, an enormous 243 percent jump from $483 to $1,659.

According to the California Department of Motor Vehicles, drivers between the ages of 16 and 19 have the highest average annual traffic violation and crash rates of all age groups.

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