How to keep your costs as low as possible. Putting a newly licensed youthful driver on your automobile policy can more than double the cost of your auto insurance. We won't debate the fairness of this fact or argue the validity of statistics that say that kids are involved in more accidents than other drivers. Let's focus on the things you can do something about. In some states it doesn't matter how old you are, just that you haven't been driving long.
Most states allow companies to charge more for male youthful operators.
Many states also allow companies to cancel auto policies after only one youthful operator accident or violation. A few states, e.g. Massachusetts, set the rates rules and forms and there are fewer options or ways to reduce cost. Talk with your agent about the rules in your state. Your agent will often have excellent ideas on how you can cut costs. Enroll your child in driver training.