(July 1, 2013) SAN FRANCISCO — Nationally, a married couple pays an average of 84 percent more for car insurance after adding a teenage driver to their policy, according to a new report from InsuranceQuotes.com. Male teenagers cause significantly higher increases than females (96 percent versus 72 percent, on average).

The average increase is highest for 16-year-olds (99 percent) and diminishes a bit each year thereafter. A married couple adding a 17-year-old can expect to pay 90 percent more for their car insurance. An 18-year-old costs 82 percent more and a 19-year-old costs 65 percent more.

There are several states that differ from the national average. The biggest hit is in Arkansas, where the average increase is a whopping 116 percent. InsuranceQuotes.com found 10 states where adding a teenage driver caused the average premium to more than double. The others are Utah (115%), Wyoming (112%), Alabama (111%), Idaho (107%), Maine (105%), Washington (105%), Arizona (104%), Louisiana (101%) and New Hampshire (101%).

Conversely, in Hawaii, adding a teenage driver only causes the average premium to rise by 18 percent. That's because Hawaii is the only state that doesn't allow insurance providers to consider age, gender or length of driving experience when determining premiums. North Carolina (59%), New York (62%), Massachusetts (66%) and Montana (66%) join the Aloha State among the states with the five lowest average increases.

"It's important to remember that these are averages," said Laura Adams, senior insurance analyst, InsuranceQuotes.com. "Savvy consumers don't settle for average. You're not going to move to a new state just because car insurance is cheaper somewhere else, but there are some easy things that you can do to save money regardless of where you live. First of all, go to InsuranceQuotes.com to search for a better deal from a different insurer. Also, look into discounts for good students and drivers who have passed an advanced driver training course."

Click here to view the average premium increases in all 50 states and the District of Columbia.