The increase in price compared to standard insurance varies from a couple hundred dollars annually, for a minor speeding citation, to a couple thousand, for DUIs and street racing. Young and inexperienced drivers are perhaps hit hardest by an insurance company’s pricing strategy, meaning they will have to pay up to four times the amount a seasoned middle-aged driver would. There are many tactics they can use to lower their high premiums—the best one is to add a teen driver to the policy of an experienced driver with a pristine record.