Teen drivers often face steep car insurance premiums—younger age plus limited driving experience usually means higher risk. However, there are several smart strategies to lower costs without sacrificing safety. Start by comparing several insurers to find the best quotes. Choose a car with excellent safety features, rather than a sporty or luxury model. Add your teen to an existing family policy when possible, and make use of discounts—good grades, defensive driving courses, or telematics/usage-based plans can significantly reduce premiums. Also consider raising deductibles, limiting extra coverage for older cars, and reviewing policies each year to drop unnecessary extras. With careful choices and habits, affordable insurance is well within reach.