Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Sep 23, 2020

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Key takeaways...

  • Twins might share a lot of things, but that doesn’t mean that they will share the same auto insurance rates
  • If you’re insuring teenage twins who live in your home, the difference in premiums is dependent on their gender
  • Your age rating and possibly your experience rating will be the same as a twin but not much else
  • If you drive a different vehicle or you live in a different state than your twin, your rates might not even be similar
  • The best way to find low-cost rates is to shop around not compare your auto insurance rates with your twin’s


Twins share everything from birthdays and parents to DNA and physical traits. Some twins might even say that they share thoughts and their own language that no one else can quite understand.

If you were blessed into this world with a sidekick, it can affect a lot of things in life, but is auto insurance one of those things?

Buying auto insurance for twins can be a challenge for parents.

It’s hard enough to cover double the expenses for health insurance, school supplies, clothing, food, and transportation when you factor in the cost to insure two teenage twins at the same time, you could fall out of your seat.

Before you buy insurance for the twins, make sure you know what to expect now and later. Start by comparing auto insurance quotes. Use our free rate tool to find the best price for the coverage you need.

Here’s a guide to help:

How much does it really cost to insure a teen driver?

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The average cost of auto insurance might be on the decline, but that doesn’t change the fact that insuring a teen driver can get rather expensive.

While the surcharge for adding a teen is higher in some states than others, nationally, rates go up by an average of 79 percent when one teen reaches licensing age.

Some policyholders have reported that their premiums have more than doubled after adding their teen driver to their plan.

If you add your teen and their own car, you’re bound to see an even larger increase because you’ll pay premiums for the new high-risk driver and premiums for the new vehicle.

Not to mention the teen will have to be rated as a primary driver and not an occasional one.

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Will adding two teen drivers cost you double?

If you look at the surveys and the average increases, it can be a bit terrifying to think that you’ll be stuck paying not just one teen driver rate but two at the same time.

A lot of people have multiple kids in the home that are years apart, but not many have two teens who will be in the highest risk age group at the same time.

When you’re facing this dilemma, it’s best for you to educate yourself before you start to make any assumptions. One quick assumption you’ve probably already made is that you’ll pay double the average increase when both of your twins pass their licensing exams.

While it’s possible, it’s not very likely.

One reason why you take such a big hit when you add a single teen driver to your policy is because you go from paying a standard or preferred rate to paying a high-risk rate. If you add twins, you can only go into a high-risk class once.

Also, depending on the number of cars in your home, one teen may be assigned to a car while the other is just classified as a secondary driver. Since secondary drivers are believed to be less of a risk, their rates aren’t as high.

Why are rates so different for my twins?

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If one teen was licensed before another, you could be surprised at the fact that the rates for both of your drivers are noticeably different.

You can’t accurately compare the rate increases for both unless you get separate quotes to add them to your policy each on the same car and each with the same coverage.

When you take a step to get separate quotes, the primary/secondary driver premium issue won’t affect your comparison.

After getting an accurate picture of which twin costs more to insure, you could be shocked to find that, when no others factors are different, you take much less of a hit to insure your teen daughter than you do to insure your teen son.

Why does gender matter?

If you’ve been blessed with a boy and a girl, you’ll pay lower rates for your daughter than your son simply because teenage males are the highest risk drivers in the nation.

According to claims data and motor vehicle reports, females under 19 are significantly better drivers than their brothers.

Statistics don’t have to be true in your personal scenario, but insurers will use this data to determine rates. This is why the average rate for an 18-year old male to buy his own insurance is $2114 more than it is for his twin sister with all of the same driver information.

If you have a pair of boys, insuring both will cost you more than it costs to insure a pair of girls.

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How can parents get breaks on their rates?

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The most effective way to save money when you’re buying auto insurance for twins is to take advantage of discounts. You just might have to require the pair to be responsible and qualify for the discounts so that they can continue to drive.

Here are some tips that can help you keep the increase low:

  • Have your twins share a car that y ou already have in your home so that you can pay occasional driver rates
  • Set mileage restrictions so you don’t wind up paying high-mileage rates
  • Get a car that you don’t need comprehensive and collision on to avoid the high physical damage rates charged to teen drivers
  • Have your teen sign a contract saying they will get above a 3.0 to qualify for Good Student Discounts
  • Make your teens complete voluntary driver training courses through the insurer for added savings
  • If your twins go off to college, get a Student Away at School credit

Once your teens become adults and they start to build their own lives their rates will be extremely different. Their cars, their driving habits, and their zip code will all impact their rates.

No matter how old, you should definitely get online auto insurance quotes when you’re buying insurance for your twin drivers. Enter your zip code into our free comparison tool to get started!