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Penny Gusner is a senior insurance writer and analyst at Forbes Advisor. For more than 20 years, she has been helping consumers learn how insurance laws, data, trends, and coverages affect them.

We found that when adding a 16-year-old driver to a parent’s policy, the average car insurance cost jumped from $2,603 per year to $5,011 per year. That’s an average increase of 103%.