Life Event Cost Tools
Teen Driver Cost Predictor
Adding a teen to your policy is the single most expensive life event in car insurance. Estimate the damage and learn how to minimize the financial shock.
Policy Configuration
Note on Gender
Six states (CA, HI, MA, MI, NC, PA) have banned gender-based pricing. If you live there, the male/female gap shown above will not apply.
New Estimated Premium
Total Monthly Bill
($5,098 per year)
Adding a 16yo male naturally causes a
+160% Rate Spike
The Math
Pro Tip
If possible, assign the teenager as the primary driver to your oldest, cheapest, and safest car (like a minivan or older sedan) and keep them far away from expensive luxury cars or sports cars.
Shop The Spike
Every Carrier Treats Teens Differently
A 160% spike at your current carrier might only be a 90% spike at a competitor. You MUST re-shop your rates when adding a teen.