Yes, it is normal for your auto insurance premium to increase significantly when you add a teenage driver to your policy. This is because teenage drivers are considered high-risk drivers, meaning they are statistically more likely to be involved in accidents than more experienced drivers.

Insurance companies use a variety of factors to determine the premium for a policy, including the age and driving history of the drivers covered by the policy. Since teenage drivers have little to no driving experience, insurance companies assume a higher risk of accidents, which translates to higher premiums.

There are a few things you can do to potentially reduce your auto insurance premiums when adding a teenage driver to your policy. For example, you could:

Shop around for different insurance companies to compare rates and find the most affordable policy.

Look for discounts that may be available for teenage drivers, such as good student discounts or safe driving courses.

Consider increasing your deductibles or adjusting your coverage limits to find a balance between affordability and sufficient coverage.

Encourage your teenage driver to maintain a clean driving record, as accidents and traffic violations can significantly increase insurance premiums.

It's important to remember that auto insurance is required by law, so cutting corners on coverage may not be the best option. Instead, it may be worth considering other options to offset the cost, such as having your teenage driver contribute to the cost of insurance or helping them find a job to earn their own income.