Does Having Children Increase Car Insurance? 
Having children who are not of driving age and licensed does not in and of itself increase car insurance premiums . You may want to talk to your Insurance Professional about increasing the liability coverage in your policy , however , in the event you are volunteering to take your children 's friends to the ball field or anywhere else . Once your child is of driving age and then is issued a license , the insurance company will charge a bit more . Insurance premiums reflect the risk that a company is assuming on your behalf . Younger , inexperienced drivers do tend to be an increased risk . Be sure to ask about available discounts for having taken Drivers Education , being a good student , qualifying for occasional usage rates etc to save money . 