Many factors are involved, including:
1. The age of the teen;
2. The driving record of the teen;
3. The grades of the teen (some insurers offer discounts based upon GPA);
4. The identity of the insurer (different insurers offer different rates for similar risks);
5. Whether this will be a separate policy or the teen is added to an existing one;
6. Whether the teen will be the primary driver of a car;
7. The types of coverage sought (liability, collision, medical payments, etc);
8. The amount of coverage sought in each category;
9. The deductible(s) selected.
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