How much does adding a car to insurance cost?

My partner has recently gotten a car for our son–no more sharing, finally! How much will it cost to add it to our insurance policy now that we have three cars?

Answer
Every state varies in the limited coverage required to drive, and California is no different. The amount that you pay each month is determined by several factors.
The estimated average insurance rate in California for 2021 for:
  • A clean driving record: $833 per year
  • After an at-fault accident: $1,369 per year
  • A teen driver: $2,339 per year
  • After a DUI: $2,006 per year
Note that these numbers are based on the minimum coverage legally required to drive in California, and rates will change based on your family’s circumstances and chosen coverages.
California insurance companies have adjusted their rates to the fact that the state has several highly populated cities, which is why insurance is more expensive than for other states.
Adding a teen driver can be expensive. Statistically, teen drivers get into more accidents simply because they lack the driving experience to know how to react to different situations on the road. Insurance rates adjust for this extra risk.
That said, many discounts exist, such as:
If you want help finding affordable coverage after adding your son to your policy, try using the free Jerry app. Jerry helps you find the best rates by comparing quotes from over 50 top providers, delivering the best deals to your phone in minutes.
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Miles Smith
Answered on Aug 19, 2021
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