How can adding a teenage driver affect auto insurance premiums?

Adding a teenage driver to an auto insurance policy typically results in an increase in premiums due to the higher risk associated with inexperienced drivers. Teenagers are statistically more likely to be involved in accidents, which insurance companies take into account when determining premiums. They may exhibit riskier driving behaviors and have a lack of experience in handling various driving conditions, making them a higher risk category in the eyes of insurers. Consequently, the addition of a teen to a policy raises the overall risk profile, leading to increased insurance costs.

This context highlights why the other options do not apply. While some drivers might hope for discounts based on academic performance or safe driving records, the foundational statistics on teenage driving behavior remain the primary factor in determining potential premium increases.