How Much Does It Cost To Add A Teenager To Auto Insurance? 
Any licensed driver that resides in your household must be included on the auto insurance policies written on cars belonging to your household . There isnt an option . A licensed driver can not sit on a shelf and not be rated on an existing automobile . If the insurance company can determine which vehicle the inexperienced operator drives , they will rate the youthful driver as the primary driver unless there are more drivers than vehicles . Even then the youthful driver will be listed as an occasional operator on one of the vehicles . It is best to consult with your agent to determine the best car for the inexperienced driver to operate . The charge for a youthful driver is generally a percentage of the normal premium , so assigning the youthful driver to a car with a low premium generally makes the best sense . 