Contact Us

NJ Teen Drivers Cost 86 Percent More [AUDIO]

If you add a teen driver to your insurance policy, you can expect your insurance premium to go up an average of 86 percent in New Jersey.

Teen Drivers
Flickr User OregonDOT

That’s according to new data by

“Unfortunately, crash rates are four times higher for 16 to 19 year olds than for older drivers,” said Laura Adams, Senior Insurance Analyst for “Because of this, teens are the most risky and expensive to insure.”

While the costs vary widely from state to state, the average that a married couple is going to pay for car insurance after adding a teenage driver to their policy is 84 percent nationally.

“New Jersey is not too much higher than the national average. Policies in Arkansas are going up 116 percent, more than double, just for adding a teen driver. Utah, Wyoming, Alabama and Idaho round out the top five where adding a teen driver is really going to hit your wallet the most,” said Adams. “The lowest state is Hawaii where it only costs 18 percent more to add a teen driver.”

State to state, regulations on the factors insurers use to determine rates vary. In Hawaii, there are very few restrictions.

“They can’t use a driver’s age, gender or even the length of their driving experience as a factor in setting rates,” said Adams.

As a teen ages, it gets less expensive to add them to an auto insurance policy.

“The rate increase goes down year after year,” said Adams. “So, it may not be a bad idea to wait until the teen gets older. It will save a little bit of money. Another thing is that male drivers are the most expensive in the teenage years to insure. On average, you’re talking about a 96 percent increase for a male teen driver. But, it’s only 72 percent higher for a female driver.”

There also are good student discounts for teen drivers.

“If they can maintain a B average, in some cases, that can reduce your premium by up to 25 percent,” said Adams. “Regardless, it’s important to shop around and get multiple quotes so you can compare apples to apples and take advantage of all the discounts that are available.”

Audio clip: Adobe Flash Player (version 9 or above) is required to play this audio clip. Download the latest version here. You also need to have JavaScript enabled in your browser.

Best of WOBM

Recommended For You

Best of the Web

Leave a Comment

It appears that you already have an account created within our VIP network of sites on . To keep your personal information safe, we need to verify that it's really you. To activate your account, please confirm your password. When you have confirmed your password, you will be able to log in through Facebook on both sites.

Forgot your password?

*Please note that your prizes and activities will not be shared between programs within our VIP network.

It appears that you already have an account on this site associated with . To connect your existing account just click on the account activation button below. You will maintain your existing VIP profile. After you do this, you will be able to always log in to using your original account information.

*Please note that your prizes and activities will not be shared between programs within our VIP network.

Please fill out the information below to help us provide you a better experience.

(Forgot your password?)

Not a member? Sign up here

Sign up for WOBM Listener Club quickly by connecting your Facebook account. It's just as secure and no password to remember!

Sign up to have exclusive WOBM Listener Club contests, events, coupons, presales, and much more delivered to you for FREE.