Car Insurance for Twins

Car insurance for twins doesn't come with any specific discounts, but you can combine other offers for good grades, driver's ed, and multiple drivers to save up to 25% on your rates.

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UPDATED: Sep 7, 2021

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Written By: Laura BerryReviewed By: Joel OhmanUPDATED: Sep 7, 2021Fact Checked

Here's what you need to know...

  • Auto insurance providers don’t offer discounts for teenage twin drivers
  • Getting auto insurance coverage for your teenage twins will cost you twice as much as insuring one teenage driver
  • Due to the aggressive nature associated with male teenage drivers, adding your teenage twin daughters will cost much less than adding male teenage twin drivers
  • Having your teenage sons/daughters improve their grades in high school or college as well as enhancing their driver education can reduce the cost of purchasing auto insurance coverage for them

The costs of purchasing coverage from an auto insurance agency for a teenager can be a little too steep for most American parents. It gets worse if you have twins who have recently acquired driver’s permits and are eager to hit the open road sans supervision.

Purchasing coverage for a single teen is already expensive; now double the cost. Auto insurance carriers will not give you a discount for insuring two drivers at the same time when it comes to twins.

The reason, in most cases, is because the provider will rate the twins as two inexperienced teen drivers which mean double the risk.

Car insurance costs will decrease as each year passes and your teenage twin daughters/sons gradually gain experience behind the wheel to become better drivers.

However, until such a time, you will have the bear the exorbitant costs of providing auto insurance coverage for them. Don’t settle for the auto insurer that you approach. Use online comparison tools to compare quotes. It’s simple.

Start comparison shopping for your twins and get them the best auto insurance rates with our FREE online quote tool! Enter your ZIP code above!

Why are teen drivers so expensive to insure?

According to the National Highway Transportation Safety Administration (NHTSA), teen drivers are about four times more likely to get involved in a car accident.

The statistics also show that male teen drivers are more prone to accidents than their female counterparts.

Therefore, insuring your twin daughters will give you a significant premium break compared to insuring your male teenage twins.

The exorbitant costs associated with insuring teenage drivers can all be traced to their susceptibility to road accidents. But why do teen drivers tend to get involved in car crashes than motorists of other ages?

Here are a few pointers:

  • Distraction– Young drivers are easily distracted. One of the biggest distractions to young drivers is having their friends in the car while driving. The risk of getting in an accident more than doubles if the vehicle has teenage occupants compared to when they are driving alone.
  • Drugs and alcohol use– Alcohol and substance abuse are among the leading causes of teen driver car crashes. Teen drivers are more likely to cause an accident after consuming alcohol and other substances as compared to other drivers of other ages who have used the same drugs.
  • Skill deficiencies– Young drivers are inexperienced and lack driving skills that come with years of driving. They don’t know how to react when presented with a potentially life-threatening driving situation.
  • Engaging in risky driving activities– teenage drivers are more likely to engage in dangerous driving activities such as overtaking dangerously, making illegal turns, running a red light, tailgating and over speeding, among others.
  • Lower risk perception– Feeling invincible behind the wheel is a common trait among young drivers which leads to risky driving behaviors. These behaviors increase their chances of getting involved in an accident.

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Finding the Right Car Insurance for Your Twin Teen Drivers

Obtaining quotes from various reputable carriers and comparing these quotes is the only way to tackle the skyrocketing costs of insuring your teen drivers.

Better still, you can choose to work with a trusted independent agent. An agent has industry knowledge and can help you gather a suitable combination of coverage and cost tailor-made to your individual needs.

Securing the services of an agent with many years of experience from working with families with teenage drivers can help you find available discounts and advise you on how to qualify for each of them. Keep your rates under control by finding you’re the right type of coverage for your teens.

How can I save money on my teen driver’s car insurance rates?

Driving is a rite of passage among many teens in the United States.

However, the whole process can be a nightmare to parents, especially in how it affects auto insurance costs. It can be an expensive and extremely stressful affair.

Here are a few ways to deal with the high costs of purchasing auto insurance coverage for your teen sons/daughters.

Switch to a Restrictive Driving Policy

A restrictive driving policy can provide coverage for your teens when they are on school breaks.

When they go off to college, the chances are that they will be residing in the institution’s halls of residence or private hostels nearby and will not be doing much driving or any driving at all.

Switching to a restrictive driving policy that provides coverage for a given number of days per year can save on auto insurance costs. It can also ensure lower rates for maintaining coverage when they switch back to regular coverage.

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Assert Your Parental Influence through Monitored Driving

Having a telematics box installed in your teens’ vehicles will monitor their driving habits and report. A telematics box is a good way of ensuring that your twins stick to safe driving habits.

Your insurer can also witness that your teens are safe drivers and possibly reduce rates as a result.

Other Ways to Cut Car Insurance Costs For Young Drivers

  • Have your twins take a driver’s education course
  • Have your teens improve their grades in high school or college
  • Consider usage-based insurance
  • Re-evaluate your need for comprehensive or collision coverage
  • Consider increasing your coverage deductibles
  • Purchase vehicles with higher safety ratings

Insuring your twin teenage drivers doesn’t always have to be expensive. All insurance providers vary in methods of determining rates.

There’s always a chance that you will find a better quote. You are only limited by the number of quotes you are willing to compare.

You can reduce these costs by comparison shopping; compare quotes until you find favorable rates.

Try our FREE online quote tool and start comparing auto insurance rates today! Enter your ZIP code below!

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

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