Texas Car Insurance Premiums Rise 71% When Adding Teen Drivers

A study by finds a married couple in Texas can expect to see their car insurance premiums rise more than 70% when they add a teenage driver to their policy.


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The report finds Texas enjoys the ninth-lowest rate increase in the country for adding teen drivers to their parents’ policies. The national average for such a rate hike is more than 80%. Laura Adams is senior insurance analyst for

“The states that had lower increases tended to be the states that have less regulation in the state. For Texas, 71% being below average, what we’re finding is that, you know, in many cases, that simply means there’s less state regulation.”

In ten states, the policy holders see their premiums more than double. Those in Arkansas take the biggest hit at 116%. Couples in Hawaii get off the easiest, with a rate increase of less than 20%. Hawaii is the only state that doesn’t allow insurance providers to consider age, gender, or length of driving experience when setting premiums.

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Andrew Schneider

Andrew Schneider

Politics and Government Reporter

Andrew heads Houston Public Media’s coverage of national, state, and local elections. He also reports on major policy issues before the Texas Legislature and county and city governments across Greater Houston. Before taking up his current post, Andrew spent five years as Houston Public Media’s business reporter, covering the oil...

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