“There’s no way to get a precise dollar figure without getting a quote. That said, insurance for teen drivers tends to be expensive, especially if they have their own policy.
If your parents have an insured vehicle with USAA, getting on their policy is probably the cheapest option. The good news is that USAA offers a number of discounts for its members, which can help you in your insurance negotiations (and payments, if applicable) with your parents. The list includes:
- 10% legacy discount for long-term members
- Good student discount for high school and college students who hold a B average
- Multi-vehicle discount (since you have your own vehicle)
- Discount for taking driving classes
Bring up these discounts with your parents, especially if they’re long-time USAA members, and you’ll probably find a good rate to fit your budget (or your parents’ budget).”