The national average annual premium for a 45-year-old couple with two cars is $2,283; adding a teenager to the policy boosts it to $4,202. Boys are more expensive than girls, resulting in a 96 percent increase … Laura Adams, senior analyst at InsuranceQuotes, said Hawaii is unusual, in that its regulations don't allow insurance companies to factor age, gender or driving experience into auto rates. Other states with below average (although still hefty) increases