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  • Bob Brooks

Sticker Shock and Your 16 Year Old Driver

If your teenager is about to turn 16 and you haven't started shopping for insurance, you are in for a rude awakening. According to, the average insurance rate increase is 130%. It varies state by state, and it varies by gender, with males having a higher rate increase.

If you live in Vermont, you will experience the biggest sticker shock, with a rate increase of 216%. Then there is Hawaii with a rate of 4%. The state of Hawaii does not allow insurance companies to issue rate increases because of age, gender, or length of time as a driver. offers up these tips:

  1. Look for the best combination of car and driver - your teen could be less expensive as a secondary driver on one car versus another car.

  2. Keep in mind when shopping for a car that makes and model can significantly influence the premium

  3. Shop around for coverage because some companies are cheaper than others

So what is the average rate increase in Texas? There is good news, and there is bad news. The good news is that the average rate is the same as the nationwide average of 130%. The bad news is that the average rate is 130%. The average rate increase for male teen drivers is 135%, and the average rate increase for female teen drivers is 126%.

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