Your Questions About Teenage Car Insurance, Answered

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Teenage drivers need to have car insurance, but unfortunately, they will have higher rates than most other drivers.
As your kids enter their teenage years, one of the big milestones is getting their driver’s license. But what about car insurance for teenage drivers? The whole thought of your teenager driving is stressful enough without worrying about making sure they’re properly insured–without it costing a fortune.
Chances are, though, that you have a lot of questions that need answers before you start shopping for the best rates on car insurance for your teen, including:
  • Can my son drive if he is not on my insurance?
  • Will my daughter’s insurance cost less than my son’s?
  • How do I add my teen to my auto insurance?
Read on to find the answers to your most asked questions about teen car insurance and more.
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Can a teenager get their own car insurance policy?

Can teenage drivers also get their own auto insurance policy? The simple answer is yes. But the longer answer is actually a bit more complicated. Fortunately, many states do not require your teen to have their own insurance policy while they have their learner’s permit and are first learning to drive.
This is because when your teen has a learner’s permit, there is a licensed adult (typically parents or guardian) in the car supervising them while they learn. Once they get their license, though, they will need to get on an auto insurance policy.
At this point, you and your teen need to decide how they will be covered. Regardless of whether they decide to get a car insurance policy of their own or are simply added to yours, insurance costs for a teen driver are high.
Adding them to your policy might be the best option, at least until they move out on their own. Make sure to look for the best type of insurance for teen drivers so they can be fully covered in an accident.

How much does car insurance increase with a teenage driver?

On average, adding a teen to your current car insurance policy will increase your car insurance rates by about 44% for a one-car family. If your family has more than one car, expect your insurance to increase by 58 percent for two cars, and an astounding 62 percent for three vehicles. 
Teenage boys tend to be a higher risk than teenage girls, which explains why teen boys end up paying more for car insurance.
Most younger drivers pay increased rates on car insurance even after their teenage years. In fact, these increased rates last until young drivers turn 25, at which point auto insurance rates start to go down and the opportunities for discounts go up.

How much does teenage insurance rates increase after an accident?

In addition to paying more for auto insurance, a new driver will also see a greater increase in their insurance rates if they have a car accident. This is because teen drivers are already considered high risk and a car accident increases their risk factor.
If the teen is not at fault in the accident, they shouldn’t expect their car insurance rates to go up. But if they are at-fault, their premiums will go up by hundreds of dollars, depending on the amount of coverage they have. This is mainly because of their increased risk and the car insurance discounts they can expect to lose.
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