Anonymous wrote:Is it worthy calling around to try and get another estimate, or is it all the same?

Welcome to teen boy drivers.

Anonymous wrote:This is why lots of kids don't drive/don't get their licenses these days.
-Its $500 to park an an FCPS HS student lot
-You have to pay $500-600 to a commercial driving school, or for Bethind The Wheel, just to get the license.
-Once you get the license, insurance is exhorbitant.
Driving as a teen is a luxury item in 2025.

Unless you live in nyc or a major city with excellent transportation system and plan to always do that, learning to drive is essential (Lyft and uber are not cheap).

Need more info on your policy coverage to answer this question fairly. What is your liability limit? How many drivers? How many cars? Your deductible for collision? Your deductible for comprehensive? Your medical expense limit? Annual mileage? Type of car? Where do you live in the DC area? Your credit score? Etc. All these variables impact your premium rates.

Also, have you thought of having your teen pay for some of the insurance to help pay for the privilege of driving one of your cars? Lots of part-time teenage jobs in the area.

Anonymous wrote:Yes, its for a 17 year old boy-new driver, just got his license. I knew it would be expensive, but jeez.

We were told that insurance for teenage boys costs 4x what it does for girls. Sorry.

Anonymous wrote:

Anonymous wrote:We just went though this and USAA wanted close to $3k for my new driver for 6 months.

We shopped around and went with Erie and it was much less.

We have USAA. The above post is why you have to shop around. Every person has unique circumstances and you can’t compare rates between households. We got what we considered a reasonable rate with USAA last year when we added our son. I don’t recall the amount it went up but certainly not 3k and I know it was less than 2k. So many factors impact rates - number and type of vehicles on the policy, claims history, deductible, coverage limits, annual mileage, bundled policies, eligibility for discounts, etc.

We were told $2K with USAA but their prices are going way up so at some point we may switch.

I just called USAA and it was the same price.

This is why lots of kids don't drive/don't get their licenses these days.
-Its $500 to park an an FCPS HS student lot
-You have to pay $500-600 to a commercial driving school, or for Bethind The Wheel, just to get the license.
-Once you get the license, insurance is exhorbitant.
Driving as a teen is a luxury item in 2025.

That sounds right to me. We just looked at our cost breakdown because we're moving 22 yr old DS and his car off our insurance. It will reduce our cost by $2500 per year. (Still have 20 yr old DD, she doesn't cost as much and drives a very old car).

Anonymous wrote:Yes, its for a 17 year old boy-new driver, just got his license. I knew it would be expensive, but jeez.

$2000 per year? That's fairly reasonable for a new 17 year old. I know you get some discounts for good grades and what not.

Also, I feel like rates automatically drop at 18 and 21 as our auto insurance has been dropping once our teens have hit those ages.

Finally, if your kid attends college without a car, make sure to tell your insurer as you will most likely get a discount.

OP,

DH and I were paying $900/yr for the two of us and two cars.

We now have added two kids to our account (one is 21 and one is 19 now), and we pay about $4000/yr!

So, yeah -- insurance companies know who causes accidents!

Anonymous wrote:We just went though this and USAA wanted close to $3k for my new driver for 6 months.

We shopped around and went with Erie and it was much less.

Yep. This is the new pricing you should expect. It also can twice as high if they have their own car!

Anonymous wrote:Yes, its for a 17 year old boy-new driver, just got his license. I knew it would be expensive, but jeez.

It’s just what it costs.

Anonymous wrote:We just went though this and USAA wanted close to $3k for my new driver for 6 months.

We shopped around and went with Erie and it was much less.

We have USAA. The above post is why you have to shop around. Every person has unique circumstances and you can’t compare rates between households. We got what we considered a reasonable rate with USAA last year when we added our son. I don’t recall the amount it went up but certainly not 3k and I know it was less than 2k. So many factors impact rates - number and type of vehicles on the policy, claims history, deductible, coverage limits, annual mileage, bundled policies, eligibility for discounts, etc.

We just went though this and USAA wanted close to $3k for my new driver for 6 months.

We shopped around and went with Erie and it was much less.

It’s $300 a month for a lot student drivers