On Reddit, a newly licensed 21-year-old said adding her to her mother's policy was quoted at over $1,000 extra monthly. She put the increase at $7,200—about 50% more for a household already insuring three people—and said the insurer called it a six-month charge.
She said there was no lapse in coverage; she had only just obtained her license. Commenters said a new driver can face high rates despite a clean record because there is little driving history to assess. They advised comparing quotes, confirming the insurer had classified her correctly and asking about safe-driving or student discounts. One also suggested checking a free CLUE report for any reported lapse.
