Teenager Auto Insurance

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Auto Insurance for Teens

Most teens cannot wait until they learn how to drive, get their license and hit the open road. Unfortunately, finding auto insurance can prove to be tricky. Having been in this position themselves, every driver can understand the challenges of finding the right car insurance – but the challenges can be compounded for young drivers. Since teen drivers are three times more likely to have an auto accident, the rates – at least initially – can be very expensive. However, there are ways to keep young driver insurance costs lower, such as adding them to an existing policy, seeking out discounts they qualify for and teaching them safe driving habits that will eventually lead to cost savings.

Car insurance policies for young drivers

No matter what state you live in, having young driver insurance coverage is a must. Teens need to realize that it’s a part of the responsibility of owning or driving a vehicle; it’s not an option to go without car insurance. Most insurance companies have special auto insurance for young drivers. It’s important to learn what the policies entail, including coverage limits. Some parents add additional coverage when they seek car insurance for teens as a precaution.

When should I consider purchasing auto insurance for my teen?

Purchasing auto insurance for teens typically occurs after they pass a driving test and get their licenses. Before obtaining a driver’s license, young drivers with a learner’s permit should also be covered under an auto policy. Most auto policies will cover teens with a learner’s permit that are driving the car of an adult in the same household, but it’s never a bad idea to confirm coverage with your car insurance provider.

Most insurance agencies will require licensed drivers — even teens — living in the same household to be covered. Younger drivers are typically added to their parent’s policy as it’s usually more affordable. The insurance laws do vary from state to state, so it’s always a good idea to speak to your agent about young driver insurance as your child approaches driving age.

Teen driver insurance providers

Almost all insurance companies can underwrite a car insurance policy for teens even though many new drivers end up on their parent’s policy as soon as they get their driver’s license.

However, for young drivers who are shopping for their own car insurance, it’s a good idea to research the companies that are within your coverage area.

Once you’ve narrowed down your selections, it’s time to consider the factors that go into making a final decision on what constitutes the best young driver insurance for you.

Factors to consider when choosing an insurance provider

The cost of insuring young drivers

There are several considerations that go into the cost of insuring young drivers. The amount of driving experience, the type of license they have, and the make and model of their vehicle are three things at which insurance companies look. Typically, a longer driving history and clean record will lower rates. Most young drivers operate with a license to drive personal vehicles, but drivers with a license to operate larger vehicles such as busses and trucks with heavy towing capabilities may pay higher premiums for insurance as their vehicles and towed items may cost more to cover. Newer cars can also increase the cost of insurance because of the greater value of the vehicle compared to older models.

Saving on teen auto insurance

As with any young driver insurance policy, there are ways for teens to reduce their rates. Let’s look at a few different ways to lower that bill.

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