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Car Insurance For Teens and Young Drivers

Your Teenager getting a driver’s license is a monumental moment, even an American right of passage. A Teen being able to drive comes with a new sense of freedom and happiness that many teens cannot wait to take advantage of.

But as great of an accomplishment as this is driving comes with a variety of risks, and you as a parent want to make sure your teenager is protected with great insurance coverage when behind the wheel.

This is why car insurance for teenagers is vital for every young driver. Threats are all around when on the road, and you need to make sure all children in your household have the best coverage for young drivers.

Auto Insurance For Teenage Drivers

Regardless of what state you live in, auto insurance coverage is a must for all drivers, especially teenage drivers. Keeping up with coverage and premiums is a great habit to install in teens right when they begin driving.

Teens need an understanding that driving without car insurance coverage is not an option and can land them in serious trouble. For this reason and many others, you are going to want to make sure your teen has the proper auto insurance coverage.

Some providers offer specialized car insurance for teens, but standard car insurance coverage is also available. Still, it is important that your teens know their coverage limits and everything else that the liability insurance policy entails.


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When to Purchase Teens Car Insurance

You should purchase auto insurance for teen drivers after they pass their driving test and obtain their driver’s license. Before, your teen had coverage under the household car insurance policy since they are still in the learner’s permit phase of their driver training.

But the minute your teen gets that shiny, brand new driver’s license, it is time to get them coverage. All young drivers on the road need auto insurance, and teen drivers are no exception.

Start planning how they will get coverage for your young driver before they get their driver’s license, just so everyone is on the same page when the time comes.

The Price to Insure Your Teenage Driver

The cost to insure your teenage driver can be very expensive. Recent data shows your car insurance premiums can increase by up to 130% upon adding your teen to your preexisting auto insurance policy.

When it comes to setting vehicle insurance rates, companies tend to look at personal factors like driving records, vehicle details, credit score, and experience behind the wheel. When you add teenage or young drivers to vehicle insurance, they are lacking both a driving record and years of experience on the road.

Typically, the better of a driving history you have, the better your rate on teen car insurance for young drivers will be. Without anything to determine how good or bad a young adult driver is, insurers have no choice but to charge high premiums for coverage.

How much you or your teen will have to pay is also dependent on other methodology like their gender and zip code. A Male driver will typically pay higher premiums than a female driver because they are seen as riskier on the road. Teens also have a higher rate of distracted driving than older drivers. Premiums are customized, and this is something young drivers need to understand. Sometimes they can change factors and other times they can’t.

By being smart and safe drivers year after year, teens can work to lower auto insurance rates.

Adding your Teen to Existing Policy vs. Purchasing New Policy

There are generally two ways you can go about getting your teen car insurance coverage. Each comes with its own pros and cons, especially when it comes to pricing for your child, and should be analyzed prior to finalizing a policy for young drivers.

Adding a Teen to your current auto insurance policy

This is regarded as the cheapest way for get the best car insurance for teens, assuming you do not have any outstanding violations on your record. You can add your teenager as another driver on your policy. This would work great if they are driving your cars.

Including a whole new car in your policy can greatly increase your coverage premiums. Keep in mind, though, that your rates will get slightly higher to account for the new person on the policy. You also want to be mindful of the coverage you have purchased.

For example, liability car insurance may have been fine when it was just you on the policy, but with a new driver, it would probably be helpful to have collision coverage.

Opening your teenager their own policy

This route is never really recommended due to how expensive it is for teenagers to get coverage. It can cost thousands of dollars per year more for coverage due to their lack of experience behind the wheel. Many are unable to afford these coverage rates.

However, this may still be an option for you for a couple of reasons. Suppose you have multiple moving violations on your driving record and car insurance rates are already high. Adding teen car insurance coverage to the policy will only increase them.

Purchasing them their own policy could very well be cheaper. This may also work if they have their own vehicle, particularly one that is not new or expensive.


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Car Insurance Discounts For Teens and Students

Getting the best cheap car insurance for teenage drivers can come with a pretty hefty price tag. You never want to skimp on coverage, but, at the same time, you want to save money.

Thankfully, there are a number of discounts and savings available to lower auto insurance for teens. Here are some of the discounts for young drivers that are commonly offered to teen drivers on their auto coverage:

Good Student Teen Discount

A number of the best car insurance companies for teens offer student discounts and savings for students who maintain a high grade point average. This is usually referred to as the good student discount program. They tend to assume that students who show responsibility and keep their grades up will also be smart, responsible drivers.

To get this coverage discount as a student, car insurance companies typically require teens to maintain a B average or higher in school. If interested in this student discount, you will have to provide proof of your teen’s grades, typically in the form of a transcript administered by their high school or college. Ask your car insurance agent if this student discount program is available with their company.

Teenage Defensive Driving Courses

Safe driving is always a must and can keep premiums low, even for young drivers. One claim is enough to make rates skyrocket. Teens can sometimes qualify for safe driver discounts if they maintain a claims-free record.

If you wish to take it one step further, you can have your teen driver complete an approved defensive driving course. Internet Technology has even allowed these courses to be held online and your teen can be eligible for a driver training discount. Completion shows car insurance companies that your young driver is serious about being a safe and smart driver.

Through the class, teens learn how to be mindful when driving and how to approach obstacles, among other lessons for driving safely. This can help you get more affordable teen car insurance rates with discounts and savings on top of your teenager continuing their safe driving.

Accident Forgiveness for Teenagers

As previously mentioned, one accident claim can increase your rates astronomically. You can easily see averages of a 30% increase. Teen drivers can be very prone to accidents, but accident forgiveness discounts can help keep teen car insurance rates low.

With accident forgiveness discounts, coverage premiums will not be affected following your teens first at-fault accident. This discount is not always available by every insurance provider, nor do teen drivers always qualify for it. Check with your insurance agent if this savings program is available and discounts eligibility for teens.

Adjust Insurance Deductible for your Teen

One common way to get cheaper car insurance for teenage drivers is by increasing their deductibles. A deductible is an amount you promise to pay out of pocket following a claim. Your insurance policy will not offer assistance until the deductible portion is paid.

The more you promise to pay, the lower your car insurance premiums. You can increase your deducible to get the lower rates and discounts but just make sure that either you or your teen is able to pay in the event of an accident claim, however you work it out with them.

Discounts on Teen Car Insurance

If your teen driver maintains their policy with a specific car insurance company, they may be rewarded with a loyalty discount. The longer teens keep their policy with an insurer, the better the discount on their coverage they may get.

Check with your insurance agent if this loyalty discount savings program is available. Not every teen qualifies for this discount, nor does every insurance company offer it. If they do offer this discount, this might be a smart thing to get your young driver started with right away since loyalty discounts and savings take time to come into effect.


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Choosing an Insurance Provider For Your Teen Driver

If you feel your teen would benefit from having their own car insurance policy, or perhaps you feel it would simply be better to switch insurers, there are some things you need to keep in mind when shopping for auto coverage. Getting car insurance for young drivers may be tricky with a young driver. Listed below are some things you should consider when settling on the best car insurance provider.

Be mindful of your teens coverage

You want to make sure your young driver is covered properly. It is generally advised that teen drivers have high coverage limits. Teens chances of accidents are greater than other drivers on the road. You should also consider policy add-ons like comprehensive coverage. Make sure you pull multiple policies from a variety of insurers to compare and analyze the rates and coverage.

Remember your budget

As we have discussed, the cost of car insurance for teens can be pretty outrageous. Keep your budget in mind and get quotes when you are going to analyze policies. You want to make sure your teenager will not only have good coverage but also be getting it at a good price.

Research the company thoroughly

Not all insurance companies operate the same. Some provide better customer service than others. You want to research reviews on a provider before signing up for a teen car insurance policy with them. Insurance agents can really make or break a company, and you do not want to be stuck arguing with one when it comes time to file a claim.

Inquire about discounts for teens

Don’t forget about all the discounts insurance companies offer for Teens. Be sure to ask about these savings and specifically the type of discounts they offer, just in case there are some you qualify for that were not disclosed on the website.


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Get an Auto Insurance Quote Today

Ready to purchase teen auto insurance? Reach out to one of our expert agents to get a free car insurance quote. Make sure you provide us with details about your teen and the vehicle they will be using and any FAQ you may have.

By providing us with this information, we get a better idea of the coverage needed. You can get a quote from us either at one of our many locations or online via our website and mobile app.

We have some of the highest customer satisfaction rates among all major insurance agencies. We are also just one call away and a friendly insurance agent is available to answer any of your frequently asked questions or FAQs.

Get your teen auto insurance today and drive worry-free tomorrow.

Car insurance for your teenager is only a click away. Receive a personalized quote online or call Insurance Navy™ today at 888-949-6289.

This Teen Car Insurance product may not be available in every state, please call an insurance agent for more information. *