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Teen driver

how much does it cost to add a teenager to your insurance? My son is 15 and I''m scared to see what it will cost so I haven't mentioned it the them. My husband says not to tell them

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Asked by Anonymous at 4:34 PM on Mar. 15, 2011 in Teens (13-17)

Answers (10)
  • Depends on a lot of factors--grades, whether or not the child has had driver's ed, whether he's going to have his own car or be driving yours, who your insurance company is.

    Answer by NannyB. at 4:36 PM on Mar. 15, 2011

  • So,r u letting your son drive uninsured? I know it is more to put a boy on then a girl.

    Answer by dancer at 4:38 PM on Mar. 15, 2011

  • It depends. While they have a permit you just have to list them but there is no cost until they get their official license. I just added my son to our insurance, and without his own car as an occasional driver its around $75 a mth. Once he gets his own car itll be anywhere from $100-$145.

    Answer by gemgem at 4:49 PM on Mar. 15, 2011

  • If the car is insured, you can let him borrow it. That is legal to let someone borrow your car. If you let a friend use your car, you're not going to put them on the insurance. If he gets in a wreck, your car is insured...everything will be OK as long as the car is insured & he has health insurance. I would only put him on the insurance if he drives the car often. But, if he only uses it once in a while i don't think you have to put him on there.

    Answer by samurai_chica at 4:52 PM on Mar. 15, 2011

  • It depends on the car, where you live, grades, gender, etc. Anywhere from $1,000-2,500 a year

    Answer by rkoloms at 4:54 PM on Mar. 15, 2011

  • I just realized that it might depend on the state. I once borrowed my MIL's car, i was not on her insurance & got in an accident & it was my fault. Her insurance still paid it, but it might be different per state. I believe that in some states, if the person driving the car gets in a wreck & is not on the insurance....the insurance company won't pay. I believe this varies by state.

    So, you may want to look into that.

    Answer by samurai_chica at 4:56 PM on Mar. 15, 2011

  • It depends on your state, if he'll be driving a shared vehicle or his own vehicle, type of vehicle, etc. You cannot know until you go to your insurance company and ask. I do know that here in NC - as long as they are on a learner's permit they do not need insurance.

    Answer by twinsplus2more at 10:16 PM on Mar. 15, 2011

  • no dancer

    Comment by Anonymous (original poster) at 10:24 PM on Mar. 15, 2011

  • he will be driving mine,he doesnt have a permit yet were working on it and he isnt driving my car till we do have a permit and he goes on my insurance,I just need someone that has teen drivers in their household to give me a figure so I can kinda know what to expect!

    Comment by Anonymous (original poster) at 10:26 PM on Mar. 15, 2011

  • Just call for a quote. Simple as pie. :P

    Answer by Hatsumomo at 12:57 AM on Mar. 16, 2011

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