In the States, adding a new, teen driver to your policy runs your rates way up. My brother-in-law added his 17 year old son last year and trebled his insurance rate. In my nephew's first week with his license, he got in his first wreck (after the insurance had already gone up). And he's a good, responsible kid.

Since teen drivers have disporptionate numbers accidents, I wonder if they give insurance companies the heebie-jeebies or a cash cow...

-jk