There is no single insurance price for every teen driver. Before your teen starts driving, ask your insurer how to handle a learner’s permit and a newly licensed driver on your policy.
Give insurers the same information
When requesting quotes, accurately describe the drivers in your household, the vehicles they use, and how those vehicles are driven. Ask how adding your teen changes the premium and whether a separate policy is an option for your situation.
The NAIC’s guide to insuring a teen driver explains what to discuss with an insurer.
Compare coverage as well as price
Line up quotes using the same coverage limits and deductibles. A lower premium can come with different protection or a larger amount you would pay yourself after a covered claim. Review the declarations page with your agent and ask them to explain unfamiliar terms.
Ask about discounts
Ask whether good grades, driver education, or other programs qualify your teen for a discount. Eligibility and savings depend on the insurer; completing a course does not guarantee a lower rate. Find out what documentation is needed and how long any discount lasts.
Bring a short checklist
- When must we add our teen to the policy?
- Which vehicles and drivers does this quote cover?
- What limits, deductibles, and exclusions should we understand?
- Which discounts apply, and what proof do you need?
Use the NAIC’s declarations-page checklist to review the details before choosing coverage.