If a child is added to a car insurance policy, will the costs increase?

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Asked April 7, 2014

1 Answer


Young drivers are the highest risk faced by car insurance companies. Because of a lack of driving experience, no driving history to calculate from, and the tendency of young drivers to disobey traffic laws, teen drivers will always cause an increase in your car insurance rates, but there are a few ways to reduce the costs.

It may come as a surprise, but adding a young driver can double the rates you have to pay. Adding any driver to your insurance can affect your rates, but adding drivers under the age of 25 will have the most effect. For insurance companies, the increased rates help to offset the increased risk of accidents or other claims resulting from having an inexperienced driver at the wheel.

One of the best ways to reduce the cost of adding a young driver to your insurance is for them to take a state-approved driver improvement course. This course is required by law in some states, but it is in your best interest no matter where you live. After successful completion of the course, insurance companies will give the young driver an insurance discount that makes insuring them a little cheaper.

Another way to reduce the cost of insuring a young driver who is still in school is to make sure he or she keeps their grades up. Insurance companies offer a good student discount to young drivers who maintain a minimum 3.0 grade average. This discount is valid for both high school students and college students alike, and can amount to as much as 5% or more off the standard cost of insuring the young driver. You will need to provide proof of high grades, including report cards, SAT scores or other school records that indicate the student has higher than average grades.

Answered April 7, 2014 by Anonymous

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