--- title: Why Adding a Teen Driver Raises Your Insurance Rates description: Adding a teen driver raises insurance rates. Discover effective ways to save on premiums through discounts, safe driving programs, and smart choices. image: https://blog.concklin.com/hubfs/Why%20Adding%20a%20Teen%20Driver%20Raises%20Your%20Insurance%20Rates.png --- [Skip to content](https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates#main-content) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) [**Contact Our Team**](https://insurance.concklin.com/compare-quotes#CLQuoteRequest) **[630-268-1600](tel:+16302681600)** **[Contact Our Team](https://insurance.concklin.com/compare-quotes#CLQuoteRequest)** **[630-268-1600](tel:+16302681600)** [![Concklin Logo-1](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo-1.png?width=314&height=100&name=Concklin%20Logo-1.png)](https://insurance.concklin.com/) - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) Open main navigation Close main navigation - About Us Show submenu for About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - Life & Health Insurance Show submenu for Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources Show submenu for Resources - [Claims Resources](https://insurance.concklin.com/claims-resources) - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com/) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- Sep 3, 2025, 2:00:00 AM # Why Adding a Teen Driver Raises Your Insurance Rates ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Share: [facebook-f icon](http://www.facebook.com/share.php?u=https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates) [linkedin-in icon](http://www.linkedin.com/shareArticle?mini=true&url=https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates) [Twitter icon](https://twitter.com/intent/tweet?url=https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates) [envelope icon](mailto:?body=https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates) Why Adding a Teen Driver Raises Your Insurance Rates 2:05 Adding a teen driver to your auto insurance policy can be a shock to your budget. Even the most responsible young drivers are still considered high risk by insurance companies. That is because teens are more likely to be involved in accidents due to limited experience and a higher likelihood of distracted driving. These factors raise the chances of a claim, which leads to higher premiums. However, there are several ways families can manage these costs without sacrificing coverage. ## Good Student Discount One of the most common ways to save is through a Good Student Discount. Many insurers reward academic performance, often requiring a B average or 3.0 GPA(or better). If your teen meets this requirement, you may qualify for a discount each year they remain in school. ## Driving Courses Another savings opportunity is completing a driver training or defensive driving course. Some insurers offer lower rates for teens who finish an approved program, since formal training can reduce the risk of accidents. ## Telematics Many carriers also offer telematics programs. These involve installing a mobile app or a device in the car that monitors driving habits, such as speed, braking, and time of day. If your teen practices safe driving, the data can lead to additional discounts over time. ## Choose the Right Vehicle You can also save by being strategic about which vehicle your teen drives. It is often cheaper to add them as an occasional driver of a family car rather than buying them a separate vehicle. If you do purchase a car for them, look for one with strong safety features and a good insurance rating. While rates will always be higher when a teen is added to a policy, making smart choices can help you control the increase. A clean driving record, good grades, and safe habits can all lead to savings now and in the future. If your teen is about to start driving, now is the perfect time to review your coverage and explore every available discount. We are here to help make the process easier and more affordable. [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Insurance 101](https://blog.concklin.com/tag/insurance-101) ## Related posts [![We All Think We're Great Drivers, but the Stats Tell a Different Story](https://blog.concklin.com/hs-fs/hubfs/We%20All%20Think%20We're%20Great%20Drivers%2c%20but%20the%20Stats%20Tell%20a%20Different%20Story.png?height=200&name=We%20All%20Think%20We're%20Great%20Drivers%2c%20but%20the%20Stats%20Tell%20a%20Different%20Story.png)](https://blog.concklin.com/we-all-think-were-great-drivers-but-the-stats-tell-a-different-story) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance), [Safety Tips](https://blog.concklin.com/tag/safety-tips) ## [We All Think We're Great Drivers, but the Stats Tell a Different Story](https://blog.concklin.com/we-all-think-were-great-drivers-but-the-stats-tell-a-different-story) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Jun 4, 2025, 9:02:05 AM Most of us believe we’re good drivers. In fact, 80% of drivers rate their own driving as “very... [Read more](https://blog.concklin.com/we-all-think-were-great-drivers-but-the-stats-tell-a-different-story) [![Teen age girl with backpack and note book - ready to go to school](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/teen_girl.jpg?height=200&name=teen_girl.jpg)](https://blog.concklin.com/blog/4-tips-to-prevent-teen-distracted-driving.html) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [4 Tips to Prevent Teen Distracted Driving](https://blog.concklin.com/blog/4-tips-to-prevent-teen-distracted-driving.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) May 9, 2017, 12:00:00 AM There has been a dramatic increase in distracted driving related accidents in the United States... [Read more](https://blog.concklin.com/blog/4-tips-to-prevent-teen-distracted-driving.html) [![Man plugging in a telematics device into a car on the driver's side](https://blog.concklin.com/hs-fs/hubfs/Imported_Blog_Media/telemetrics.jpg?height=200&name=telemetrics.jpg)](https://blog.concklin.com/blog/what-are-vehicle-telematics.html) [Auto Insurance](https://blog.concklin.com/tag/auto-insurance), [Personal Lines Insurance](https://blog.concklin.com/tag/personal-lines-insurance) ## [What are Vehicle Telematics?](https://blog.concklin.com/blog/what-are-vehicle-telematics.html) ![Picture of Amanda Yaniz](https://blog.concklin.com/hs-fs/hubfs/Amanda%20Yaniz.jpeg?width=50&name=Amanda%20Yaniz.jpeg) [Amanda Yaniz](https://blog.concklin.com/author/amanda-yaniz) Feb 13, 2020, 12:00:00 AM Many auto insurance providers offer vehicle telematics that offer you feedback on your driving... [Read more](https://blog.concklin.com/blog/what-are-vehicle-telematics.html) [![Concklin Logo](https://blog.concklin.com/hs-fs/hubfs/Concklin%20Logo.png?width=150&height=48&name=Concklin%20Logo.png "Concklin Logo")](http://concklin.com) [facebook-f icon](https://www.facebook.com/ConcklinInsurance) [linkedin-in icon](https://www.linkedin.com/company/concklin-insurance-agency) [Twitter icon](https://twitter.com/ConcklinA) [youtube icon](https://www.youtube.com/channel/UC_HnJQ4S_USSxBJkauXwu6A) - About Us - [Our Story](https://insurance.concklin.com/about-us-who-we-are) - [Our Team](https://insurance.concklin.com/meet-our-team) - [Contact Us](https://insurance.concklin.com/contact-us) - [Markets & Industries](https://insurance.concklin.com/industry-specific-insurance-programs) - [Restaurants](https://restaurants.concklin.com) - [Franchised Restaurants](https://restaurants.concklin.com/franchised-restaurants) - [Contractors](https://insurance.concklin.com/general-contractor-insurance) - [Habitational](https://insurance.concklin.com/habitational-insurance) - [Business Insurance](https://insurance.concklin.com/business-insurance-coverage) - [Business Owners' Policy](https://insurance.concklin.com/business-owners-insurance-policy) - [Commercial Property](https://insurance.concklin.com/commercial-property-insurance) - [General Liability](https://insurance.concklin.com/commercial-general-liability-insurance) - Workers' Compensation - [Personal Insurance](https://insurance.concklin.com/personal-lines-insurance-coverage) - [Homeowners' Policy](https://insurance.concklin.com/homeowners-insurance) - [Personal Auto Policy](https://insurance.concklin.com/auto-insurance) - [Personal Umbrella Policy](https://insurance.concklin.com/personal-umbrella-insurance) - [Flood Insurance](https://insurance.concklin.com/flood-insurance) - Life & Health Insurance - [Life Insurance](https://insurance.concklin.com/life-insurance) - [Health Insurance](https://insurance.concklin.com/health-insurance) - Resources - [Cyber Resources](https://insurance.concklin.com/cyber-insurance-resources) - [Blog](https://blog.concklin.com) - [Video Library](https://blog.concklin.com/video-library) - [Client Portal](https://insurance.concklin.com/client-portal) - [Make A Payment](https://concklin.appliedpay.com/) --- REQUESTING COVERAGE DOES NOT GUARANTEE COVERAGE CAN BE PROVIDED.  COVERAGE CAN BEGIN ONLY WITH SPECIFIC STATEMENT BY A LICENSED MEMBER OF CONCKLIN INSURANCE AGENCY. MISSTATEMENTS OR OMISSIONS OF RELEVANT INFORMATION CAN LEAD TO PRICE VARIATION OR EVEN DECLINATION OR RESCISSION OF COVERAGE. NONE OF THE INFORMATION PROVIDED ON THIS WEBSITE IS A GUARANTEE THAT INSURANCE WILL BE PROVIDED OR THAT CONCKLIN INSURANCE AGENCY IS OBLIGATED TO PROCURE INSURANCE FOR ANY WEBSITE VISITORS. 240 S. WESTMORE MEYERS ROAD, LOMBARD IL 60148 630-268-1600 | [CONCKLIN@CONCKLIN.COM](mailto:concklin@concklin.com) [Privacy Policy](https://insurance.concklin.com/privacy-policy) Copyright © 2026, Concklin Insurance Agency ```json { "@context" : "https://schema.org", "@type" : "BlogPosting", "author" : { "@type" : "Person", "name" : "Amanda Yaniz", "url" : "https://blog.concklin.com/author/amanda-yaniz" }, "dateModified" : "2026-07-10T17:17:48.142Z", "datePublished" : "2025-09-03T07:00:00.000Z", "headline" : "Why Adding a Teen Driver Raises Your Insurance Rates", "image" : [ "https://blog.concklin.com/hubfs/Why%20Adding%20a%20Teen%20Driver%20Raises%20Your%20Insurance%20Rates.png" ], "mainEntityOfPage" : { "@id" : "https://blog.concklin.com/why-adding-a-teen-driver-raises-your-insurance-rates", "@type" : "WebPage" }, "publisher" : { "@type" : "Organization", "logo" : { "@type" : "ImageObject", "url" : "https://blog.concklin.com/hubfs/Concklin%20Logo.png" }, "name" : "Concklin Insurance Agency" } } ``` ```json { "@context" : "https://schema.org", "@id" : "https://blog.concklin.com/#website", "@type" : "WebSite", "alternateName" : "Concklin Blog", "description" : "Insurance articles, risk management guidance, business insurance resources, personal insurance tips, cyber liability information, restaurant insurance insights, franchise insurance guidance, and coverage education from Concklin Insurance Agency.", "inLanguage" : "en-US", "name" : "Concklin Insurance Agency Blog", "publisher" : { "@id" : "https://insurance.concklin.com/#organization" }, "url" : "https://blog.concklin.com/" } ``` ```json { "@context" : "https://schema.org", "@id" : "https://blog.concklin.com/#blog", "@type" : "Blog", "description" : "Articles and resources from Concklin Insurance Agency covering business insurance, personal insurance, restaurant insurance, franchise insurance, cyber liability, claims, coverage questions, and risk management.", "inLanguage" : "en-US", "isPartOf" : { "@id" : "https://blog.concklin.com/#website" }, "name" : "Concklin Insurance Agency Blog", "publisher" : { "@id" : "https://insurance.concklin.com/#organization" }, "url" : "https://blog.concklin.com/" } ```