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Obviously varies greatly by location, but as a point of reference, here in MA, if you have 3 drivers in the household and 3 cars, the teenager *must* be listed as the primary driver on one vehicle. We added a 3rd car in anticipation of our daughter getting her license and were paying ~3K for three vehicles (all around $1K each).
When my daughter got licensed, she became the primary driver on our oldest car and the premium jumped from $3K to over $6K. I increased the deductible from $500 to $1000 and that dropped it down to $5K.
This is with all 3 drivers with perfect driving records, no tickets, no accidents, no claims. My daughter turns 18 next week, but there is no reduction until licensed N number of years (I forget the number in MA).
I know a few families where their teenager has had an accident -- I can't imagine how much they are paying.
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