r/Broomfield • u/ohnobugzilla2 • 7h ago
Teen car insurance woes
Looking for some information or insight on adding teens to your car insurance.
My husband and I have three cars, a financed 08 Highlander with comprehensive coverage, a paid off 2013 Sorento with liability only, and a paid off 2017 Camry with liability only. We are insured through USAA for home and auto and pay about $280 per month for just the two adults auto insurance for all three cars. The adults are 35 and 37.
Our 16 year old (girl) just got her license and my husband added her to our policy this morning. Our new rate is $687 per month… an increase of over $400 per month for just adding a 16 year to the policy. USAA also will not change the rates if we only insure her on one vehicle, the price was the same if we added her only to the Sorento and excluded her from the other two cars, versus if we added her to all three cars. She will only be driving the Sorento.
Is this typical? I knew it wasn’t going to be cheap, but I was expecting about $200-250 per month to just add her to the Sorento, not over $400 per month with no price difference for which cars she’s insured on. What are you paying for your kids car insurance? This isn’t sustainable long term for us.

