Your teen can get a good grade discount (college kids too, so always ask).

1,000 for the extra person and another 1,000 if you add another car (we pay annually) This is what our agent said and he was pretty close.

We just paid to add my 16-year-old son to Liberty Mutual and it made our six month premium go up by $1000. That being said, we just switched from USAA, because even adding my son (to a family with two other young men drivers) to Liberty Mutual was cheaper than what we were paying for just 4 people with USAA.

Also tell them the kid will be an occasional driver of the car, not the primary driver.

Somewhere between $1k to $3500ish per year, depending on the company, boy or girl, the age of the car, and a few other factors.

Anonymous wrote:Question - Our dd will drive a 2017 Honda. We have two other cars - much newer. Do insurance companies take into account the other two cars in calculating the premium? She won’t be driving those, but do they care?

We have USAA and they cover all cars and all drivers regardless of who drives which. one of our cars is a manual transmission which only DH knows how to drive but it didn’t matter.

Anonymous wrote:Question - Our dd will drive a 2017 Honda. We have two other cars - much newer. Do insurance companies take into account the other two cars in calculating the premium? She won’t be driving those, but do they care?

Pretty sure allstate doesnt price by which driver drives which cars, but erie does take that into consideration. I dont know how the others do it though

Question - Our dd will drive a 2017 Honda. We have two other cars - much newer. Do insurance companies take into account the other two cars in calculating the premium? She won’t be driving those, but do they care?

Mine pays about 800 a year but did a driving online course discount and gets straight a discount - girl, insured age 17

We have USAA and recently added a teen boy to our car insurance. We did not add a car.

I don’t recall the exact increase but it was not out of line with other insurance companies. I discussed extensively with my friends who were doing the same thing. USAA came in as average to slightly less.

Anonymous wrote:Allstate was going to charge $3500/year extra to add my teen boy driver to drive a 10 year old mazda.

I switched to Erie and saved $2500 over what allstate would have been, but I dont know much was attributed solely to my teen driver.

+1 We are about to add teens and haven't made USAA compete on rates for decades.
If they hit us hard we are OUT.

Allstate was going to charge $3500/year extra to add my teen boy driver to drive a 10 year old mazda.

I switched to Erie and saved $2500 over what allstate would have been, but I dont know much was attributed solely to my teen driver.