Hawaii’s non-discrimination policies mean adding teen drivers to policies is cheaper than in other states.
Married couples pay an average of 80 percent more for auto insurance upon adding a teenaged driver to their policy, but Hawaii’s average increase is only 17 percent, according to a new comparison from InsuranceQuotes.com.
The most expensive state in which to insure a teen driver is New Hampshire, according to the company, which found that the average premium jumps 115 percent. In other states, adding teenaged drivers to auto policies causes premiums to double, rising 104 percent in Wyoming and Illinois, 103 percent in Maine, and 102 percent in Rhode Island.
Because Hawaii is the only state that prohibits age and length of driving experience from affecting car insurance costs, teen drivers only cost 17 percent more to insure. It is by far the lowest increase in the nation. The second-lowest is in New York, with a 53 percent increase, followed by Michigan (57 percent), and N. Carolina (60 percent).
While in many states, it is much more expensive to insure a teenaged male than females, insurers in Hawaii and six other states are prohibited from making that differentiation.
In addition to Hawaii, Massachusetts, Michigan, Montana, North Carolina and Pennsylvania also prohibit insurers from using gender in rate calculations.