Just How Expensive Is Teen Car Insurance in Your State?

Teens have it tough, but who can boast about having it the worst?

Tom Williams, CQ-Roll Call Group, via Getty Images

Insurance adjusters have good reasons to demand more money from teen drivers. In 2014 alone, an average of six teens of driving age (16-19) were killed daily in traffic accidents, and 606 others received emergency treatment for injuries sustained in motor vehicle crashes. Cruel as it may be to teens whose low-wage part time jobs offer little in the way of pay, they pose a bigger threat to both other drivers and the profitability of an insurance company that other driving demographics. Data from insurancequotes.com and an analysis by Money Talks News has revealed which states are the friendliest to teens, as well as the states where you are better off taking the bus.

By a league of magnitude, Hawaii is the laxest state on teenaged drivers' insurance. This is attributed to the state's unique ban on taking a driver's age, sex, or driving experience into account when charging for insurance premiums. A mere 8.1 percent separates the typical monthly insurance rates of an adult and a teen driver.

The cheapest of the mainland 48 is the Tar Heel State, North Carolina. Maybe the sticky tar has NC drivers pulling their feet upwards as a measure to prevent a stuck accelerator. Can't say for sure. There may be info less rooted in silliness to explain North Carolina's low insurance costs when compared to the rest of the nation, as prices only climb from here.

The national number one is tiny Rhode Island, where teens cost an average of 152.7 percent more than their parents. Though prices drop with each birthday as drivers gain experience and mature, the initial premiums are sure to make any family balk.

The District of Columbia was also included in this study's figures, and out of 51 total tracked regions, it came up 28th, with rates 79.1 percent higher for teens than adults.

Where does your state stand? Did you have it better, or worse than your peers? See for yourself here.