How do teenage drivers pay less? Senior analyst for InsuranceQuotes.com, Laura Adams, said that a phenomenal strategy for lowering costs is to sign up for pay-as-you-drive car insurance. Auto insurance companies track the driving habits of your teen, which leads to significant discounts, especially for those who drive safely and do not drive a lot. Additionally, teens who do well in school receive good student driving discounts. Parents can also save on car insurance if they drop the comprehensive and collision coverage for older cars that are worth little more than the deductible.
Hawaii was the one state where teenagers did not pay a 79 percent higher premium. This is the only state that bans driving experience, gender and age from affecting auto insurance costs. It only costs 17 percent more to insure teenagers in Hawaii.
Despite the higher costs for teenagers, the good news is that the cost to insure a teenager fell in 2013. For example, the average annual increase used to be 85 percent.
The highest place to insure a teenager is New Hampshire, where the premium sees a spike of 111 percent. Other states that were high to insure included: Rhode Island, Wyoming, Maine, Connecticut and Illinois. States that cost less to insure a teenager included: New York, New Mexico, Montana and Michigan. Georgia fell somewhere in the middle of these statistics. However, considering that Georgia auto insurance is third highest in the nation, a person can speculate that insurance would have fell on the higher end for teenagers.
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