Why are Teen Drivers so Expensive?


Adding a teen driver to an auto policy can be a challenging a time. Not only are parents anxious about their teen's driving safety - they frequently suffer from "sticker shock" when faced with the associated premium increase.

The reality is that teen drivers are very expensive to insure. But why? Below is a look at how teens drive these days. This information gives us a better understanding of the risks teen drivers pose.

To help ease the pain point of the associated teen driver rate increase, some things you could consider:

  • Encourage your driver to strive to earn or maintain a 3.0 GPA to qualify for Good Student Discounts. According to statistics, strong performance in school is correlated to better decisions on the road. This can save up to several hundred dollars per year, depending on insurance company, type of vehicle, etc.
  • Help establish clear expectations, rules, and responsibilities with your teen before they hit the road. Download a sample Parent-Teen Driving Contract here.
  • If the driver is not furnished with their own primary vehicle, rates are more favorable if they are an occasional driver.
  • If they need a primary vehicle, consider having the young driver use a moped or a vehicle that doesn't require physical damage coverage in order to save on premiuim.
  • Schedule a file review with us at Dave Wittmann Insurance Agency to make sure all your coverage discounts are in line.

Of course, there is no "one size fits all" solution, as we know no two families or budgets are the same. We suggest you call Dave Wittmann Insurance Agency at 920-788-1000 to do an over-the-phone or in-person file review.


Teen Driving Stats


Our Locations

 Little Chute Office

Little Chute Office

300 Patriot Drive, Suite A
Little Chute, WI 54140
Main office: 920-788-1000

Brillion Office

964 W Ryan St, Ste A
Brillion, WI 54110
Main office: 920-756-2836

Our Providers

I switched to Dave Wittmann insurance when I married my husband. He was with this agency and really liked it. In the past 5 years they have been reliable, honest, have had fast customer service, and always looking out for our best interest. They find competitive rates and are very friendly.
Holly B.
My experience with Dave Wittmann Insurance & Financial Agency has be wonderful! They are friendly, accommodating, thorough, and always work to get me the best rates -- they have saved me a lot of money over the years! I would recommend them to anyone!
Aubrey C.
The customer service is second to none. If your like me and don't like waiting or leaving messages hoping someone will call you back than Wittmann Insurance will be a great fit.
Sam H.
Dave Wittmann Insurance has been my go-to for insurance for many years. I have always received great service from all the employees at the Dave Wittmann Insurance office and would recommend their services and products to others.
Patty A.
Christine has been a tremendous help! She is always quick to answer questions. She also looked into plans that better met our needs, without us needing to ask her to do so! They really take all the effort and stress out of finding insurance providers.
Gina G.
I have going to Dave Wittmann Insurance for many years. They are honest, trustworthy and always trying to pick the best insurance plan for you. I highly recommend this company!
Sara B. L.