The states shifting premiums for teen drivers into overdrive

The costly truth of insuring teen drivers

Mark Bowden | Getty Images

As if teenagers don't already add enough stress to their parents' lives, once they start driving, family auto insurance rates not only inevitably go up — as you'd expect when adding drivers to a policy — but in most states they positively skyrocket. Online insurance emporium InsuranceQuotes.com conducted a study of the average premium increase after adding a teen driver to an existing auto insurance policy in all 50 states.

The effort found that, nationwide, such families will see an average 79 percent increase in premiums, but that's down from 84 percent in 2013. The firm also found it costs much more to add a young male driver than a female one. And adding a male teen to a married couple's policy results in a national average premium increase of 91 percent, compared to an increase of 67 percent for a female.

"Regardless of the costs to insure your teen driver, safety is the No. 1 priority," said Laura Adams, senior insurance analyst for InsuranceQuotes.com. "We suggest parents educate teens on the dangers of driving, especially when it comes to texting while driving or driving under the influence."

In the following slides, CNBC.com shares InsuranceQuote.com's top and bottom five states for auto-insurance rate increases when adding a teen driver to an existing policy. (States with lower increases tend to have greater regulation regarding insurance rates.)

— By CNBC's Kenneth Kiesnoski
Posted 22 June 2016

5th most expensive: Ohio

A sign posted on Interstate 70 warns drivers of animals loose in the area around Zanesville, Ohio.
Matt Sullivan | Reuters

Average premium increase after adding a teen to an existing auto policy: 100.17 percent

Source: InsuranceQuotes.com

4th most expensive: Wyoming

Yellowstone National Park in Wyoming.
Carol Polich | Getty Images

Average premium increase after adding a teen to an existing auto policy: 105.77 percent

Source: InsuranceQuotes.com

3rd most expensive: Arizona

Driving the Slide on the Broken Arrow Trail, Sedona, Arizona.
Kerrick James | Getty Images

Average premium increase after adding a teen to an existing auto policy: 109.36 percent

Source: InsuranceQuotes.com

2nd most expensive: Rhode Island

Easton's Beach in Rhode Island.
Lou Jones | Getty Images

Average premium increase after adding a teen to an existing auto policy: 119.19 percent

Source: InsuranceQuotes.com

Most expensive: New Hampshire

Herb Swanson | Bloomberg | Getty Images

Average premium increase after adding a teen to an existing auto policy: 125.39 percent

And now for the top 5 least expensive states when it comes to car insurance premium rate hikes for teens ...

Source: InsuranceQuotes.com

5th least expensive: South Dakota

Donkeys approach cars driving through Custer State Park in Custer, South Dakota.
Melanie Stetson Freeman | The Christian Science Monitor | Getty Images

Average premium increase after adding a teen to an existing auto policy: 59.32 percent

Source: InsuranceQuotes.com

4th least expensive: Michigan

Detroit, Michigan.
Peeter Viisimaa | Getty Images

Average premium increase after adding a teen to an existing auto policy: 57.60 percent

Source: InsuranceQuotes.com

3rd least expensive: North Carolina

Stephen Mallon | Getty Images

Average premium increase after adding a teen to an existing auto policy: 56.87 percent

Source: InsuranceQuotes.com

2nd least expensive: New York

A teenager admires Lamborghinis on display during the New York Auto Show at Jacob Javits Convention Center in New York City.
Getty Images

Average premium increase after adding a teen to an existing auto policy: 51.81 percent

Source: InsuranceQuotes.com

Least expensive: Hawaii

Colin Anderson | Getty Images

Average premium increase after adding a teen to an existing auto policy: 16.93 percent

Hawaii is the only state not allowing insurers to take into account age, gender or length of driving experience when setting premium rates.

Source: InsuranceQuotes.com