Teen Driver Insurance

Teen driver insurance costs more than you expect. Adding a 16-year-old to your policy can double your premium. We help you find discounts that soften the blow and carriers that treat young drivers fairly.

New drivers are expensive to insure. Insurance companies see them as high risk. No experience. No track record. Statistics show teen drivers have more accidents per mile driven than any other age group. The math works against you.

But not all carriers price teens the same way. Some penalize young drivers heavily. Others are more forgiving. The difference can be hundreds of dollars per year. That's where we help.

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How We Help Parents Save

We compare rates across multiple carriers that insure teen drivers. Our software shows which companies offer the best rates for your specific situation. Some carriers reward good students. Others offer bigger discounts for driver's education. We find the combination that works for you.

We also review your entire policy. Sometimes restructuring your coverage or adjusting deductibles offsets the cost of adding a teen. We look at the big picture, not just the new driver.

Discounts That Help Lower Teen Driver Rates

• Good student discount - Most carriers offer 10-25% off for students with a B average or higher. Your teen needs to maintain grades and provide a report card or transcript.
• Driver's education discount - Completing a state-approved driver's ed course can save 5-15%. Some carriers require it for the discount. Others reward it as a bonus.
• Low mileage discount - If your teen doesn't drive much, you might qualify for reduced rates. Some carriers offer usage-based programs that track miles.
• Multi-car discount - Adding your teen to a policy with multiple vehicles often costs less than insuring them separately.
• Bundling with home insurance - Carriers reward customers who bundle. If you have home and auto together, adding a teen costs less.
• Distant student discount - If your teen goes to college more than 100 miles away without a car, you might get a discount.
One discount might save you 10%. Stack a few together and you're looking at real money. We help you maximize every discount available.

Tips for Insuring Your Teen

Keep them on your policy. A separate policy for a teen costs significantly more because they lose the benefit of your driving history and multi-car discounts. Adding them to your existing policy is almost always cheaper.

Choose the right car. Older sedans with good safety ratings cost less to insure than new sports cars. Avoid high-horsepower vehicles. The insurance savings can offset the appeal of a flashier car.

Set expectations early. Tickets and accidents stay on their record for years and can dramatically increase rates. A single speeding ticket can raise premiums by 20-30%. Make sure your teen understands the financial consequences of poor driving.

Consider higher deductibles. If your teen drives an older car, raising the deductible from $500 to $1,000 can lower premiums. Just make sure you can afford the higher out-of-pocket cost if an accident happens.


What Happens After an Accident?

If your teen has an accident, your rates will increase at renewal. How much depends on the severity and who was at fault. We can re-shop your policy after an accident to find carriers that are more forgiving. Sometimes switching saves enough to offset the increase.

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