Why Is Car Insurance So Expensive For Teenagers? 
Auto insurance rates are partially based on driving experience of the person to be insured . Teenagers are brand new drivers and are typically not fully mature -LRB- when it comes to driving -RRB- hence the reason that their rates are typically on the high side . This is not to say that a teenager can not be more mature or a more responsible driver than someone that is older but the statistics are against it . On a brighter note if your teenager maintains a 3.0 or above GPA in school many carriers will offer a good student discount which can help lessen the premium hike experienced . 