Insurance Premiums for Teen Drivers

Teen Drivers

Every teenager looks forward to the day that they turn sixteen and can legally drive.  Every parent can learn to be excited for them, but there is one glaring issue that parents hate to confront…insurance premiums.  Premiums can be very high and if you don’t have a teenager who makes the best grades then you may not be eligible for discounts to help offset the high cost.  If you have a boy, your rates skyrocket as male teenage drivers’ hold higher risks of accidents.

It appears in the future this may be true for both male and female drivers.  Why? …Distracted driving will be the reason.  Accident rates are soaring as a result of electronic distractions on the road.  It is true that both males and females are guilty of this behavior, but specifically texting and driving is far more prevalent among teenage girls.  As accident rates continue to rise as a result of texting and driving, so will insurance premiums for those who are found doing it more often.

What can you do as a parent to help this?  First, educate your teen driver on the risk associated with texting and driving and distractions in the car.  Their friends as passengers can also be a serious distraction and they should be following the state laws regarding how many passengers they can have at one time.  Parents should also check their teen driver’s phone from time to time after they have been driving to see if they have been engaged in texted.  Set rules and boundaries and be prepared to have a consequence for broken rules.

Contact your local Weiss new pre-owned and certified Toyota St. Louis car dealer today to find out what safety features you can get to help keep your teenage driver safe on the roads.


Location: 11771 Tesson Ferry Road, St. Louis, MO 63128, USA

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