I’ve went thru it twice, with my oldest it wasn’t too bad. Like $125 extra a month until he started getting tickets. The day he turned 18 he got his own policy. My youngest turned 16 in feb last year, he increased out premium about $175 but he is a great driver with good grade discount.

My wife is a commercial insurance agent but before she wrote property and casualty (home and auto). About 15 years ago she had a lady come in with her 16 year old daughter, they had went to the local Ford dealership and bought the daughter a brand new Mustang GT. I don’t remember the exact cost but it was over $500 or $600 a month just for the insurance. My wife said they left with the daughter in tears as the mom had excluded the girl from the Mustang and put the girl only on the family mini van. She said a lot of insurance companies used to let you exclude kids from certain vehicles on a policy. According to her they don’t let you do that anymore and normally rate the riskiest driver on the most expensive vehicle.

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Posted by lsu xman

Member since Oct 2006

16741 posts

Posted on 1/16/26 at 11:03 pm to BBJ

There's good reason why the premiums are so high. I have 10+ nephews and nieces. Kids getting into accidents at a very high rate. Plus autobody repair is over the top expensive now.

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Posted by awestruck

Member since Jan 2015

13522 posts

Posted on 1/16/26 at 11:18 pm to BBJ

Hypothetical… no dawg in this hunt.

Is it possible to have his phone (car) speed tracked to you. Not the insurance company. But reported to you as a parent. Just knowing he’s being monitored could make a difference. Like a chemistry instructor use to reference… kids are like magnetism the further they get from the source the weaker the hold… he was talking kids and premarital sex but the concept is the same. The further from the parents reach the less their instilled warnings may hold sway.

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Posted by BBJ