Does my teenager need insurance to drive my car?

If they have a valid drivers license, then your teen needs insurance to drive your car. Individual teen car insurance policies can get expensive. You can reduce your teen auto insurance costs by adding them to your policy when they are of age and need insurance to drive your vehicle. Enter your ZIP code below to start comparing teen car insurance quotes for free.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Oct 29, 2020

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Things to know...

  • You must add your teenage driver to your policy once they are licensed
  • Adding your teen to your insurance will increase your insurance rates
  • Teens are considered high-risk drivers
  • There are discounts available for student drivers

It’s every parent’s nightmare when their teenager first gets licensed. It’s even more nerve-racking to let them drive on their own for the first time.

The best thing that you can do to keep help keep them safe is to put them on your insurance policy.

Teenagers need coverage to keep them safe in case of an accident and most importantly, it’s the law!

If you are looking for auto insurance for your teenager, start comparison shopping by entering your ZIP code above!

Will my rates increase?


Adding a teenage driver to your insurance policy will cause your insurance rates to increase. It’s just the cost of having a teenager.

Young drivers pose a greater risk to insurance companies due to their lack of experience.

As they continue to get older and more experienced, the rates will start to decrease. If they stay accident-free, their rates as they get older will be even better.

Talk to your teenager about the importance of being an attentive driver. It is possible for a young driver to keep a clean driving record, they may just need some encouragement.

Talk to your teen. Let them know the consequences of tickets and accidents on their record. Chances are that they will listen and at least try to take head to your advice!

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Can my teen get a separate policy?


It is certainly possible for your teen to purchase their own insurance policy.

It is tempting to separate your teen’s policy from your own so that your personal insurance policy keeps the same rate. Unfortunately, it is usually pretty unaffordable for your teen to get their own policy.

It is usually cheaper for them to be on a car insurance policy with an experienced driver. The best thing to do is to go over both options with your insurance provider to see what works best for your family.

Do I have to add my teenager if they don’t drive my car?

Most car insurance companies require that all licensed drivers be listed on your insurance policy regardless of whether or not they drive your vehicle.

It is against the law not to disclose all information to your insurance company, so talk to them and ask them about their policies on household drivers.

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Why are teenagers considered high risk?

Insurance pricing is all about risk. The highest risk exposures pay more insurance, the lowest risk exposures pay the least.

Teenage drivers pose a high insurance risk. They are new to the road and are inexperienced. Rookies on the road, so to speak.

Statistically, teen drivers 16 to 19 years old are three times more likely to crash than drivers 20 years old and older, according to the CDC. Once young drivers hit the age of 25, the rates start to decrease.

They decrease even further for those who have kept a clean driving record.

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What discounts are offered for teen drivers?


Depending on the insurance company, there are some discounts that are offered for teen drivers that can help cushion the blow of the high insurance rates.

Good Student Discount

Good grades are rewarded. Students that receive a high GPA receive good student discounts at most insurance companies.

The eligibility requirements will vary depending on the company. Some insurance companies allow the discount through college and some may remove the discount after completing high school.

Resident Driver Discount

If you have a child that is on your policy away at school, there’s a discount for that!

A child that is away to college will not have as much exposure to your car since they will be away to school most of the year.

Some insurance companies offer a discount for this. You will need to talk to your insurance company for availability and eligibility for this discount.

Prepare for the Increase

Teen drivers must have insurance if they will be operating a vehicle. The best way to tackle the extra premium increase is to prepare for it before it happens.

Talk to your teen about the responsibility of being a driver. Let them know about all of the things that affect their insurance rates now and in the future.

While your child still has their driving permit, go over all the possible changes with your insurance company. They can prepare you for what’s to come so that there are no surprises.

This will be a bit of an expense for your family but in the long run, you want the insurance there to protect your family.

Start comparison shopping today for your teenager and get the best auto insurance rates! Enter your ZIP code here!

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