Teen Driver Insurance
Coverage options and savings tips for young drivers.
Typical cost: $2,000 – $5,000+ per year (added to policy)
Teen Driver Insurance
Adding a teen driver to your auto policy significantly increases premiums—teens are statistically the highest-risk drivers. However, understanding the options and available discounts can help manage costs while ensuring proper coverage.
Why Teens Cost More
Drivers aged 16-19 have the highest crash rate of any age group. Inexperience, risk-taking behavior, and nighttime driving contribute to elevated risk. Insurance premiums reflect this reality with rates 2-3 times higher than adult drivers.
Managing Costs
Good student discounts, driver training courses, usage-based insurance programs, and choosing the right vehicle for your teen can substantially reduce premiums. Some families save by having the teen drive the lowest-value vehicle on the policy.
What's covered
Liability Coverage
Essential protection when your teen causes an accident.
Collision Coverage
Covers damage to your teen's vehicle in accidents.
Comprehensive Coverage
Protects against theft and non-collision damage.
Medical Payments
Covers medical costs for your teen and passengers.
Uninsured Motorist
Protects if your teen is hit by an uninsured driver.
Tips
- • Take advantage of good student discounts (typically B average)
- • Complete approved driver training courses for discounts
- • Consider usage-based programs that reward safe driving
- • Assign your teen to the cheapest vehicle on your policy
- • Delay licensure until they're truly ready—wait until 17-18 if possible
Other auto insurance types
Sedan Insurance
Coverage options for standard passenger sedans.
SUV Insurance
Insurance for sport utility vehicles and crossovers.
Truck Insurance
Coverage for pickup trucks and personal-use trucks.
Electric Vehicle Insurance
Specialized coverage for EVs including battery protection.
Classic Car Insurance
Agreed-value coverage for vintage and collector vehicles.
Rideshare Insurance
Gap coverage for Uber, Lyft, and other rideshare drivers.
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