By Jim Donovan
Adding a teenage driver to a married couple’s car insurance policy leads to a 79% higher average annual premium, according to a new insuranceQuotes.com report.READ MORE: JetBlue Flight From Florida Makes Emergency Landing At JFK Airport
Teenage males (+92%) are much more expensive to insure than teenage females (+67%). The good news is that the premium increases decline each year, from 96% for 16-year-olds to 58% for 19-year-olds.READ MORE: Gov. Cuomo Says He Will Not Resign Amid Sexual Harassment Allegations: 'I Never Touched Anyone Inappropriately'
So how do you avoid this? Laura Adams, senior analyst for InsuranceQuotes.com says, “A great strategy for lowering car insurance costs is to sign up for pay-as-you-drive car insurance,” adding, “These programs allow companies to track your driving habits and can lead to significant discounts, especially if you’re a safe driver who doesn’t rack up too many miles. Teens who excel in the classroom should also take advantage of good student discounts.”
Or you can always move to Hawaii. Hawaii is the only state that prohibits age, gender and length of driving experience from affecting car insurance costs. As a result, teen drivers only cost 17% more to insure in Hawaii, the lowest increase in the nation by far.MORE NEWS: New Jersey State Health Department Investigating Legionnaires' Disease Cluster In Union County
Click here to view the average premium increases in all 50 states and the District of Columbia: