As if buying the car isn't pricey enough, adding a 16-year-old driver to a family policy makes it jump an average 77%.

For 16-year-olds few things are as exciting as getting their first car – and few things are as expensive as insuring that first ride either.

As if buying the car isn’t costly enough, parents of a new driver can expect to see a huge increase in their insurance premium if that newly minted product of driving school is simply added to the family policy: 77% on average.

If that teenaged driver decides to go it alone, it’s 18% higher than just being added to the family’s plan, according to insuranceQuotes.com.

“In most states, individual policies significantly add to the already high cost of insuring a teen driver,” says Laura Adams, insuranceQuotes.com’s senior analyst. “Parents with an 18-year-old on their policy pay an average of 77% more than they would without the teen.

“While this certainly isn’t cheap, it’s usually much better than the individual policy option. Parents who wish to foster financial independence can still ask their child to pay for all or at least some of the increase.”

Adding the driver is pricey, but for parents and the drivers, there is some good news: eventually the rates will drop, assuming these inexperienced motorists don’t get any moving violations. The first price break comes at 18 years old.

(Woodward Dream Cruisers can celebrate past and present. For more, Click Here.)

For those getting individual policies, 18-year-olds in Rhode Island “only” pay an average of 53% more for individual coverage. Connecticut (47%), Oregon (47%), Nevada (41%) and Maine (40%) aren’t far behind.

(Click Here for details about the 2016 Hyundai Tucson crossover.)

Hawaii doesn’t allow auto insurance companies to factor age or length of driving experience into their costs. Insurers in Illinois, Alaska and Florida only charge 18-year-olds an average of 7% more for individual coverage.

(To see more about how the next BMW might see red lights before the driver does, Click Here.)

The drops continue coming. Nationally, individual policies cost 9% more than family coverage at age 19 and 4% more at age 24. Even at age 24, though, there are states where individual coverage costs significantly more than family coverage (for example, 15% more in North Carolina and 10% more in Maryland).