Teen car insurance top 5 ways to lower your rates although it might seem unfair to charge higher rates based on age, its actually a matter of statistics. Because teens are young and dont have much driving experience, they are among the highest risk groups for traffic infractions and car accidents. Teens ages 16-19 are three times more likely than drivers older than 20 to be involved in a fatal crash (or any crash, for that matter) according to the insurance institute for highway safety. Below are a few tips teen drivers can use so they get the best, most affordable coverage when they hit the road. If youre purchasing a car for your teen, opt for a vehicle with plenty of safety features. Georgia new drivers who complete the steer clear & save program will enjoy lower teen driver insurance rates. According to jan rooney, if a teen meets the above three requirements, it will cost about 50 per month to add your teen to your current auto policy. While your rates are guaranteed to increase (teens are considered high-risk drivers), that increase doesnt have to break the bank. Heres 10 ways to get a discount on auto insurance when you add a teen to your car insurance policy. Some insurers offer much better deals than others for teenage drivers, so its important to compare costs. The insurance company that offered the best rate for you and your. When it comes to teen drivers and car insurance, things get confusing -- and expensive -- quickly. A parent adding a male teen to a policy can expect auto insurance rate to balloon to more than 3,000 for full coverage.