And while the answer is invariably “more” there are some things to consider when a teen starts driving:

Consider adding your teen driver to your existing auto insurance policy instead of purchasing a separate one. There are benefits to having all drivers and vehicles on the same policy, as most insurance companies will calculate the new premium by averaging the rates for all household members. This can help reduce the "sticker shock" that often comes with insuring a teen driver. Additionally, your teen will be covered for all vehicles in the household under a single policy.
Insurance companies understand that adding a teen driver can be costly, which is why many offer discounts specifically for young drivers to help reduce the financial burden on parents. Examples include Good Student discounts and Driver Safety Course discounts. Be sure to ask about these discounts when choosing your insurance policy.
If you're thinking about buying a car for your teen driver, whether it's new or used, prioritize vehicles with a range of safety features. Many insurance companies offer discounts for features such as anti-lock brakes, traction control, anti-theft devices, and services like On-Star or other monitoring systems.
In most states, drivers with learner’s permits aren't required to be listed separately on an insurance policy, so you often don’t need to add your teen to your policy until they are fully licensed. However, it's always best to check with your insurance company to confirm. To determine the right time to add your teen driver, reach out to a licensed agent in our office. We can help you add the driver and provide quotes from several top insurance companies.

Get A Quote With Your Teen Driver Today

Our licensed team is here to help you get multiple quotes for you and your teen driver. As an independent insurance agent, we can compare options from various insurance companies to find the right coverage at the best price.

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