Moraga says the best thing your teen can do to save you money is maintain "a very clean driving record." Rates won't start to improve until they reach age 25."Parents who add teens to their policies will see a rise from 50 percent to 100 percent," says Moraga. "If a teen gets a ticket or gets into an accident, the cost impact will be higher than if somebody else [in the family] did it." Check out these top reader questions about teen drivers.