Car Insurance Rates For Teenagers

I’m getting really worried, both mentally and financially the more I research car insurance for teenagers. As you may know if you read my about page, one of the reasons for starting this site was to not only educate myself on this but also provide information for you the reader as well in my quest for finding the optimal car insurance for my teenager. I spoke with my current insurance agent today and had a little bit of a bomb dropped on me. My first child getting close to driving years is male. What I found out today was males are more expensive than females when getting insurance for a young driver.

This was a stiff kick in the pants. Are you kidding! Car insurance for teenagers is more expensive for males than females? I’ve been blessed with 2 daughters as well and I’m sorry to tell the insurance companies but boys are not more expensive than girls. Hell, my son would rather play with a stick that he found on the ground outside than anything the girls might pressure from something they saw that one of their friends had or seen on TV.

The insurance agent told me it’s been documented that boys are risk takers for the most part and are deemed “risky” to insure. Well that sparked my interest so onward with the research. What I found was interesting but I guess makes sense. Car insurance for teenagers who are male is more expensive than that for female teenagers quite simply because they are more “risky” and “accident prone” and have a history to prove it. The Insurance Institute for Highway Safety actual said that “about 2 out of every 3 teenagers killed in motor vehicle crashes in 2006 were males” in their fatality report for 2006. Although, in recent years, the females were certainly closing the gap.

Well, I’m man enough to admit that she was right. Car insurance for teenagers for males should be more expensive than that for females based on that and quite a lot of other numbers that backed it up from that report. You always hear talk about female drivers but these teenage boys seem to have them beat hands down. In fact, one of the highest car insurance rates there is around is that of males ages 16 to 25. But lets face it, car insurance for teenagers is just plain expensive whether you are male or female because of their accident records. The National Safety Council in 2003 came out with this wonderful statistic that teenagers made up 4.8% of all drivers, but accounted for 17.0% of drivers in fatal car crashes, and 22.1% of all drivers in all types of crashes.

I guess I might just have to face it, car insurance for teenagers is going to be more expensive than I thought it might be. In fact, the rate she quoted me today (and I’ve been with this company for quite some time) could possibly double or even triple my current rate upon adding him to the family insurance policy. There were some discounts but I’ll save them for later. As always, please let us know if you have any questions about Car Insurance for Teenagers and we will assist you as best we can or search until we can find the answers. I was able to land a couple of interviews from some different agents that will be coming up in a short while here on the site for more information.