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Cheap used EVs stir fears over teen drivers, but commenters say insurance may price them out

"Which is probably part of the reason I'm still alive."

Cars in a parking lot.

Photo Credit: iStock

The prospect of teenage drivers gaining access to powerful, peppy electric vehicles is raising concerns among safety-minded motorists.

A Reddit discussion explored whether insurance costs could keep cars capable of reaching 60 mph in four seconds out of inexperienced hands.

Here's what to know

In a post on the r/electricvehicles subreddit, one user worried that cheaper used EVs could let teenagers access sports-car acceleration.

Their concern centered on a potentially dangerous combination: "Instant torque, very little driving experience, and a 4-second 0–60. What could go wrong?"

The thread didn't include vehicle listings, price comparisons, or insurance quotes to set a cost baseline. Still, one commenter predicted that high insurance costs would steer parents toward used Civics and Mazda 3s instead.

"Insurance stopped me," another commenter wrote. "Which is probably part of the reason I'm still alive."

"Teenagers are already driving them, friend," a different visitor countered.

More background

Although the original post focused on EVs, several participants noted that powerful cars have long been available to young drivers.

Poorer tires and non-standard traction control set the stage for a Redditor's comparison with earlier generations of teenage drivers, who also had access to high-horsepower vehicles.

An older car with bald tires was the benchmark for one commenter who viewed a used Tesla more favorably. For another, the traction and safety limitations of two-decade-old sports cars made EVs the less demanding option to drive.

For some families, choosing a gasoline-powered car would also mean leaving behind what their children have always known.

"My kids have never known gas cars," one parent wrote. "I'm not going to get them an old gasser 6 years from now. Might as well give them a rotary phone if that's what we're doing lol."

What can be done?

Beyond insurance costs, commenters pointed to vehicle settings that could help address acceleration concerns.

A PIN protects Tesla's parental controls, according to one commenter, whose description included notifications to parents about driving after curfew and settings that keep automatic braking and collision warnings enabled. The commenter also said it can require a speed limit and a reduced-acceleration Chill mode.

For GM's Teen Driver mode, another participant highlighted a driver report card and Buckle to Drive, along with enabled emergency braking and collision warnings. Their description also included audio-volume limits, customizable speed warnings, restricted acceleration, and an 85 mph top-speed limit.

Several participants emphasized teaching restraint alongside using vehicle controls. One parent reported that their child closely follows the speed limit.

"I somehow found ways to get into legit trouble years ago, in far slower vehicles," a user admitted. "Faster capability does not equal less safe. Lack of impulse control is always the real risk."

Where can I learn more?

For families considering a used EV for a teenager, insurance bills, driving range, and everyday needs also factor into the choice. 

• Parents see low-range Nissan Leafs as a geographic fence for teenagers.

• An Ioniq 5 owner's insurance costs fell twice after replacing an aging gas car.

• Some EV owners expect better used-car buying opportunities in 2026 as shoppers weigh timing.

• Drivers switching from Honda Fits to Chevrolet Bolts describe quicker acceleration but less flexibility.

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