How to Add a Teen Driver to Your Car Insurance

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It’s always scary for parents when their kid reaches the age where they can drive. No matter how responsible your child is, letting them get behind the wheel of a fast and potentially dangerous machine is a little nerve-wracking. However, there are a few things you can do to make sure that your kid is in the safest position possible:
Car insurance is important for any driver, but especially for a teen driver, as teens are more likely to get in an accident. Thankfully, it’s easy to add your teen driver to your car insurance plan, where they’ll be well protected. You also have the option of purchasing your child a separate insurance plan, but it’s much more affordable to simply add them to your pre-existing policy.
It’s worth noting that you don’t need to have insurance for your teenager when they have their driver’s permit, though you should still inform your auto insurance company so they’re aware of the situation. And it is important to understand how you can add your teen to your insurance policy, as well as how it might impact your rates.

How to Add a Teen Driver to Your Car Insurance Policy

Step One: Get the teen’s details. Adding a teen driver is the same as adding any other driver to your car insurance policy. Here is the information and documents you’ll need:
  • Their date of birth
  • Their driver’s license. If you don’t have their driver’s license on hand, you’ll likely need their license number, the license’s issued date, and the license’s expiration date.
Step Two: Contact your insurance company or broker. Most auto insurance companies will usually let you alter your plan online.
To do so, visit the company’s website, login with your account information, and click a link that says, “change plan” or “add driver.”
Follow the instructions to add your teenage driver to your car insurance policy, and you’re all set.
If you’d rather not handle this online, or your auto insurance provider doesn’t have that option, simply call your insurance company. Let them know that you’d like to add a driver, and provide them with your teen driver’s information. They’ll have you all set up in no time.
Or, if you are using, you can contact us right through the app or text one of our agents and we’ll take care of adding your teen.

Does Adding a Teen Driver to Your Car Insurance Policy Increase the Rates?

Teenagers are the most expensive demographic to insure, because they’re inexperienced drivers, and far more likely to get in an accident. Because of this, your insurance policy will increase a fair amount when you add a teen driver.
It’s understandable for parents to be a little apprehensive about letting their teenage driver get behind the wheel of a car. By adding the driver to a pre-existing car insurance plan, however, parents can make sure that their loved ones are insured should an accident occur.

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