There was minimal change when they were "just learning" and driving sporadically on teh vvehicles but it did go up when they actually got their license and were allowed to drive with no adult present. The assumption being too the vehicle was being driven twice as often as compared to them both in the car together. And yes was higher to put Shawn on than Jennifer. $4000 a year for a boy to have their own car/insurance is about right.