Teen drivers in Georgia nearly double parents' auto insurance premiums

Parents in Georgia pay nearly double for auto insurance when kids are old enough to drive.

According to insuranceQuotes.com, the average married couple in Georgia pays 85.5 percent more for a policy when they add a teen driver.  16-year-old drivers spike premiums the most.

The Atlanta Business Chronicle reports Georgia is the 18th most expensive state to insure a teenaged driver.  New Hampshire is the most expensive, while Hawaii is the least.

Teenage sons are more expensive to insure than daughters, except in states that do not allow insurance companies to use gender to calculate rates.  While North Carolina is one of those six states, Georgia is not.  Insurers can use gender in their rate calculations here.

Good student discounts can be applied to offset the premium sticker shock.  Premiums may also adjust to reflect each year's driving experience, although that varies by state.  Hawaii allows neither gender nor driving experience to affect car insurance costs.

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