Adding a teen driver in Hawaii: bundle with parents or separate policy?

Raising the deductible can help, but with teens on the policy in Hawaii, it’s a bit of a gamble. When my daughter started driving, I crunched the numbers—upping the deductible only saved us about $12 a month, but if she got into even a minor fender bender, we’d be out way more. Bundling her with our policy ended up cheaper than a separate one, even with higher coverage. Insurance here just isn’t very forgiving with young drivers... feels like you’re paying for everyone else’s mistakes too.