After your teen is licensed, you will typically need to add your child to your car insurance policy to ensure they are covered while behind the wheel. Adding a teen driver to your car insurance policy is a fairly simple process in most cases. However, car insurance companies typically calculate the cost of car insurance premiums based on how risky a driver is to insure, and since your new driver has limited experience behind the wheel, adding them to your policy will almost certainly cause the cost of your car insurance to increase. Luckily, there are a few ways that you may be able to decrease the cost of your car insurance after adding a child to your policy. Here’s what you need to know about adding a newly licensed driver in your household to your car insurance policy.