How can a teen driver lower his car insurance rates?

Answered by Car Insurance Expert Jessica on February 22, 2021

I'd like to get car insurance for my teenage son, who's about to receive his driver's license, but the rates are shockingly high. What can we do to lower his rates, besides have him take a driver safety course?

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Jessica

Car Insurance Expert

Thanks for your question! For the first few years of driving, it’s always a good idea to get a quote to add your son to your insurance policy. This will help him gain some prior insurance history for when he wants to get his own policy, resulting in lower premiums.

If putting him on your policy isn’t an option, your son can also sign up with a carrier who offers a telematics device discount. This device would collect information about his driving habits, which could potentially lead to cost savings for safe driving. If your son has good grades, he can send his report card or dean’s list letter to his carrier for a good student discount.


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