How much will it cost to add my teenage driver to my auto policy?

Adding a teen driver typically raises your auto premium substantially — often 50–100% or more — because new and young drivers have the highest crash rates. The increase is steepest for teen boys and eases as the driver ages and builds a clean record. You can soften the hit several ways: ask about a good-student discount for teens maintaining a solid GPA, look for driver-training and telematics (safe-driving app) discounts, and have your teen drive an older, modestly valued car where you can carry liability and drop or reduce collision. Keeping the teen on your policy rather than a separate one is almost always cheaper, and raising your deductible can offset part of the increase. It's also a good moment to make sure your liability limits and umbrella coverage are adequate, since a teen accident raises your exposure.