1 The Real Cost of Car Ownership for Teen Drivers Driving-Tests.org looks into the real cost of car ownership for teenage drivers and their families as part of a special investigation on teenage driving. Driving. It s considered a rite of passage that every teenager dreams about, right? Not so fast. Armed with new data, researchers say that teens are delaying getting their driver s licenses in increasing numbers. According to a 2013 study by the University Of Michigan Transportation Research Institute 1 (UMTRI), today s teenagers are waiting longer to get their driver s licenses than teens from past generations. In fact, statistics show that since 1983, there has been about a 75 percent decrease in 19 year olds with a valid driver s license. To put that in perspective, in 2010, 30.5 percent of American 19 year olds were unlicensed. In 2008, that number was 24.5 percent and in 1983, that number was a mere 12.7 percent, based on data from the Federal Highway Administration and the U.S. Census Bureau. Not only have teens been avoiding getting their driver s licenses, the ones who actually do, are driving shorter distances. The average number of miles driven by young people ages decreased from 10,300 miles to only 7,900 miles from That s a staggering drop of 23 percent, according to a study led by U.S. PIRG and released in April So what s Going On? Technology may play a part in this new trend. Michael Sivak, research professor and head of UMTRI said that constant Internet access and the rapid rise of social media have influenced 3 teenagers. People just don t need to see each other as much as before because they can communicate through social media, Sivak said. Platforms like Facebook, Twitter, and Instagram keep teens updated on what their classmates are up to without ever leaving home. Students no longer meet in the library to study. That s old school. School projects are now done using Google Hangouts or other virtual hangout rooms. Another contributing factor involves the environment. Millennials, those individuals born after , are very conscious of the damage that s already been done to the environment. They realize that something needs to change. Instead of using vehicles, they ride bikes, walk, or even and new generation branding/data points responsible youth
2 take public transportation, in an effort to reduce their carbon footprint. One factor that appears to trump the others, when it comes to driving and obtaining licenses, involves the economy. Although many people look at the purchase price of a vehicle and assume that it is the only expense they need to take into consideration, the real cost of owning a vehicle is much more than that. At least 32% of all teens surveyed in a 2013 UMTRI survey indicated that they did not have a driver s license because owning and maintaining a vehicle is too expensive. 5 The Real Cost of Car Ownership for Teenage Drivers As part of an ongoing investigation into teenage driving, the online education experts at Driving Tests.org analyzed the real cost of car ownership for a teenage driver. While it might be nice for a teen to have access to a family vehicle and who wouldn t be thrilled to receive a car for a sweet sixteen birthday, right? Well, when looking to buy a car, there are multiple expenses to consider beyond the physical car itself such as: Title Fees Tags Taxes Maintenance Parking Gasoline Tolls The myriad of expenses are possibly enough to make a teen hand over the keys and say, Forget it! In effort to break these costs down, Driving Tests.org (DTO) relied on extensive research into actual costs. 1. Purchase Price & Payment - Best Cars for Teens Driving Tests.org started with an analysis of the purcahse price based on the top rated Best 6 Cars for Teens as identified in MSN s Money Magazine by CarInsurance.com. The fourteen vehicles chosen met a set of the following requirements: Top 100 safety pick as determined by the Insurance Institute for Highway Safety (IIHS) Costs less than $15,000 for a 2009 model according to Edmunds.com. Gets 20 mpg or better city/hwy gas mileage according to EPA cars for teens.aspx
3 Scores average or better (according to TrueDelta.com) in annual repair visits. No pickup trucks, no SUVs, no small or mini cars. Reasonable insurance rates obtainable for an 18 year old. Pickups and SUV s were eliminated due to safety concerns. Consumer analyst, Penny Gusner of CarInsurance.com said, They are not really a great choice for novice drivers because they are taller and have higher centers of gravity, making them more prone to tripping on a curb or other obstruction and rolling over a kind of accident that stability control can t easily prevent. Small cars were eliminated as well because they simply don t hold up well in an accident. 14 Best Cars for Teenage Drivers Make & Model Cost of car MPG Insurance Mitsubishi Lancer GTS* $10, $4,392 Honda Fit* $12, $3,976 Volkswagen Rabbit 4 door $11, $3,874 Ford Focus 2 door* $9, $3,800 Honda Civic 4 door* $14, $3,738 Subaru Impreza $11, $3,732 Toyota Corolla* $10, $3,656 Audi A3 2.0T $14, $3,622 Volkswagen Jetta $10, $3,524 Sabaru Legacy $11, $3,518 Scion xb $10, $3,506 Ford Fusion* $11, $3,494 Honda Accord $14, $3,334 Ford Taurus $11, $3,322 The DTO estimated average: $11, $3,678 *Electronic stability control optional or available only on some models. Driving Tests.org drew the following conclusions from the data and the financials for these cars and came up with the following averages using the top 14 cars from the MSN study of 2009 vehicles: Average purchase price: $11,849 Average combined MPG: 25 Average Insurance Premium: $3,678 (standalone policy)
4 Average annual reliability index: Acquisition Costs Using the average purchase price listed above, the DTO team calculated a national average for taxes, tags, and title using data provided by CarMaxx.com. 7 California: $1, Florida: $1, Texas: $ Massachusetts: $ Illinois: $1, The DTO estimated average fees for taxes, tags, and title: $1, Financing Using interest rates and loan payment estimates from BankRate.com, DTO created the following estimate for illustrative purposes using the average interest rate for a person with A credit from Florida, California and Maryland, and, calculated the following monthly payments. 8 Keep in mind that credit scores, down payment and employment verification could affect the interest rates and payments: Total acquisition cost: $13, (includes purchase price, taxes, tags, title) Down payment: $1, Amount financed: $11, Interest rate: 2.73% Term: 48 months The DTO estimated average car payment for teenage drivers = $ per month 4. Insurance Another cost of owning a car that needs to be factored into a budget is car insurance. Rates vary depending on several factors including age, sex, and car, to name a few. The average standalone annual insurance premium in the Best Cars for Teens study was $3,678 for an 9 18 year old teenage boy. For their analysis, DTO averaged 4 different scenarios: 7 title tags fees calculator/default.html cars for teens.aspx
5 1. Add 18 year old to family policy, teen borrows car: $1,518 annual premium 2. Add 18 year old to family policy, buy teen 2002 used car $1,764 annual premium 3. Add 18 year old to family policy, buy teen 2009 used car $2,812 annual premium 4. Exclude teen from family policy, liability only for 2002 car $2,321 annual premium 5. Average standalone policy for Best Cars study: $3,678 annual premium The DTO estimated average insurance for teenage drivers = $202 per month or $2,419 per year. 5. Gasoline According to the U.S. Energy Information Administration, the average price of regular grade 10 gasoline (from July through December 2013) is $3.38/gallon. When calculating the average number of miles driven by teens, the costs add up. The U.S. Department of Transportation estimates that average to be around 7,624 total miles. Average annual miles driven by teen driver: 7,624 Average annual MPG for Best Cars for Teens : 25 Average annual gallons used: 307 Average price/gallon: $3.38 The DTO estimated average gasoline consumption by teenage drivers: = $86 per month or $1,031 per year. 6. Upkeep Another car ownership cost involves basic upkeep including maintenance, repairs, parking, tolls and cleaning. Some automotive experts recommend a good rule of thumb is to budget $100 dollars a month for expected and unexpected expenses. In addition to maintenance, parking is almost entirely dependent on location. Fox News reported that the average monthly parking garage cost for someone who lives in New York City is $541. Someone living in Seattle may only pay $294. Other drivers in more rural surroundings don t even need to calculate in parking costs. Similarly, toll road charges are a daily expense for some drivers. Lastly, 21% of all drivers receive citations each year with the average cost according to the US 11 Highway Patrol of $152 per ticket. Due to the wide variation regarding parking and toll road citation statistics/
6 costs per month, teenagers should do some research before committing to a vehicle as opposed to using public transportation. 12 Annual repairs for a 2009 model vehicle from list: $ Annual oil change: $ Annual tire rotation: $60.00 Annual cost of a quarterly car wash: $48.00 Annual allowance for parking fees, tickets & tolls: $ The DTO estimated average for upkeep for a teenage driver = $31.80/month or $381.63/year What is the Real Cost of Car Ownership for Teenage Drivers? So what is the final number? Teens who borrow a family vehicle had insurance, gasoline and fifty percent of upkeep factored in. Teens who purchase a vehicle had upfront fees plus payment, gas, insurance and upkeep factored in. Borrowers: $ per month or $2,932 per year Purchasers: $ per month or $6,968 per year Those are significant numbers especially when considering that teenagers are often still dealing with the demands of school and extracurricular activities. To get a job, merely to pay for the expenses of a vehicle, simply does not make sense. Additional Factors that Influence Cost 1. Males vs. Females Statistically, male drivers drive more than female drivers of the same age 8,206 miles per year for teenage boys versus 6,873 miles for teenage girls, according to the most recent USDOT Federal Highway Administration data from Insurance companies assign young male drivers a higher risk rating versus a female driver of the same age and industry experts estimate males pay about 25 percent more than females because boys are also much more likely to be in an accident or get a speeding ticket. 12 DTO examined repair costs for 37 different vehicles including a Honda Accord, Honda Civic, Toyota Corolla, Volkswagon Jetta and Ford Fusion, as reported by 13 Jiffy lube.com 14 Firestone.com
7 While boys as exemplified in a 2011 survey by SADD are four times more likely than girls to drink and drive and also more likely to get behind the wheel after smoking marijuana, a new study by AAA indicates that newly licensed females are twice as likely as males to use an electronic device while driving. 2. Fees & Fines Aside from insurance and gasoline, there are additional costs related to car ownership that might not come to mind such as state and local taxes, state licensing fees, and maintenance and repair costs; some of these expenses are expected, some are not. Buyers should make sure that they have budgeted enough money for any unscheduled maintenance costs. So, obviously, driving and owning a car is an expense. Is there any way to offset this drain on a wallet, if a car is a necessity or simply a wanted luxury? Cost-Saving Tips *Go Green Hybrid cars get better gas mileage than traditional cars, which can cut the monthly gas budget by as much as 50 percent, or, from an average of $1,031 per year down to $560 per year. *Get Good Grades Discounts are available for students who do well in school. High school and college age students age can benefit from maintaining a B average. The average reduction in premiums is a significant, 25 percent. *Learn to be a Defensive Driver Completing a defensive driving course online can cost up to $25, but that investment can cut the cost of insurance by 10% for up to three years. Conclusion At first glance, this new trend that shows teenagers delaying the once gratifying rite of passage of obtaining a driver s license seems almost bizarre. But after looking at the reasoning and especially the costs involved, it s no wonder teenagers hesitate to make that step. Deciding whether to get a license and/or own a vehicle is a big decision, especially for a teenager who usually lacks the funds necessary to buy a vehicle and provide for additional expenses. It is wise to understand the full price and commitment involved when obtaining a license and buying a car.
8 Today s teens seem to understand this all too well. Perhaps it s the adults who haven t realized just how much it costs to drive or, out of necessity sake, decided, they really don t want to know. For helpful tips and information about safe driving and owning a car, visit Beginner Driver s Guide at Driving Tests.org. About Driving-Tests.org Since 2010, this leading online educational learning site that offers free permit practice test services to US drivers, has issued over 4.5 million practice tests. Over 350,000 Americans use this site every month to prepare for their permit test. Written by a team of automotive and online education experts, the 550 uniquely written tests offered by the company are designed for drivers of motor vehicles and motorcycles. Each test is based on the current year s official Driver s Manual, so every driver can be sure that they are receiving the most up to date test questions available. Users can practice for the test on the go with the Driving Tests.org mobile application, optimized for iphone and ipad, entitled DMV Genius: Permit Practice Tests for Your State, available for download in the App Store. Driving Tests.org has been featured in The Wall Street Journal, The Examiner, Daily News and NY Metro Parents, among many other leading publications.
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