Adding a teenage driver to a married couple's car insurance policy leads to a 79% higher average annual premium, according to a new http://www.caiautoinsurance.com/car-insurance-modesto-ca/ report. Teenage males (+92%) are much more expensive to insure than teenage females (+67%). The good news is that the premium increases decline each year, from 96% for 16-year-olds to 58% for 19-year-olds.

Modesto, CA -- (SBWire) -- 07/18/2014 --The most expensive state to insure a teenage driver is New Hampshire, where the average premium spikes by 111%. The Granite State is one of seven states where premiums more than double after adding a teen driver to the policy. The others are Rhode Island (+107%), Maine (+107%), Wyoming (+106%), Connecticut (+102%), Illinois (+101%) and Oregon (+101%).

Hawaii is the only state that prohibits age, gender and length of driving experience from affecting car insurance costs. As a result, teen drivers only cost 17% more to insure in Hawaii, the lowest increase in the nation by far. New York State (+53%) has the second-lowest increase, followed by Michigan (+57%), Montana (+61%) and New Mexico (+62%).

The cost to insure a teenage driver fell over the past year. In 2013, the average annual increase was 85% (98% for males and 73% for females).

"A great strategy for lowering car insurance costs is to sign up for pay-as-you-drive car insurance," said Laura Adams, senior analyst, http://www.caiautoinsurance.com/car-insurance-modesto-ca/. "These programs allow companies to track your driving habits and can lead to significant discounts, especially if you're a safe driver who doesn't rack up too many miles. Teens who excel in the classroom should also take advantage of good student discounts."

Click here to view the average premium increases in all 50 states and the District of Columbia:

http://www.caiautoinsurance.com/car-insurance-modesto-ca/

http://www.caiautoinsurance.com/car-insurance-modesto-ca/ commissioned Quadrant Information Services to calculate rates using data from the largest carriers in each state. The averages are based on a married and employed 45-year-old male and 45-year-old female who each drive 12,000 miles per year with policy limits of $100,000 for injury liability for one person, $300,000 for all injuries and a $500 deductible on collision and comprehensive coverage. The hypothetical drivers have clean driving records and good credit. The rates include uninsured motorist coverage and refer to new business policies.