If you have a teen ready to get behind the wheel of a new or used car then you are going to first have to purchase auto insurance.

To understand and get an estimate of how much you are going to end up paying per month for your teens auto insurance you have to first understand those basic factors that contribute to your monthly bill. The age of a person is the most influential factor into how much your auto insurance is going to cost with the price for coverage going down as the age of the person goes up. Besides age the gender of the person is a determining factor into your auto insurance bull with females paying slightly less. Finally the car you drive is last factor that determines your monthly rate with coupes being the most expensive to insure and four door sedans being the cheapest. All of these basic factors are determinant of how much you will pay per month due to statistical averages into the likelihood of a certain person driving a certain car being involved in an accident.

The reason why teen auto insurance is so expensive is due to the high number of teens being involved in auto accidents. The more teens that get into accidents the more expensive it becomes to insure your teen because they are statistically more likely to be involved in an accident than someone in their mid twenties and older. The reason why these statistics are so high is because this is the first couple of years of driving for the teen so they are inexperienced and the fact that they are young means they don't fully understand and process the consequences of their actions. Although some teens are mature and understand you don't have to floor it to go from one light to the next then slam on your breaks at the last second, the majority of teens do have those bad driving habits which raises your teens coverage because he or she falls into the teen driver category. This is a case of the minority of mature teens who have good driving habits suffering for the majority of immature who have bad driving habits.

So what can you do about the high rates your teen has to pay just for the basic auto insurance? Well you can start by making sure your teen understands proper driving technique and how to use momentum of the vehicle more and less slamming on the gas pedal. As long as your teen isn't involved in any accidents their monthly payments will go down as they get older.

So the main reason why teen auto insurance is expensive is because of the high likelihood of teens to be involved in auto accidents. These accidents end up costing the insurance company thousands of dollars each day to cover the cost of damage and repair. So the reason why your teens auto insurance payments are so high is because you are covering a high risk of damage and you don't want to break the bank whenever your teen has that inevitable first accident.