Adding a teen to your car insurance may cost $300 extra a month -- here's how to slash that

Adding a teenage driver can raise car-insurance costs sharply. The Insurance Information Institute says premiums jump 50% to 100% when families add a teen to an existing policy, with Insurify data showing an average increase of 90% for first-time drivers. CarInsurance.com estimates the average add-teen cost at $3,594 per year—about $299 per month—though total increases vary by state, driving record, and insurer. Costs are highest for younger teens, averaging $4,050 for a 16-year-old and dropping to $3,105 by age 19. The article also points to vehicle choice, citing IIHS and Consumer Reports recommendations that favor features like standard automatic emergency braking.