Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 16, 2020

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Key takeaways...

  • Teenagers are considered high-risk drivers
  • Most insurance companies require that you add any driver that regularly uses the car to the policy
  • If your teenager is in college and does not drive regularly, you may not need to put them on your policy

Purchasing car insurance can be costly, especially if you add a teenager to your policy.

However, all states require that drivers have car insurance. Therefore, you need to know about adding your teen to your insurance policy.

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Table of Contents

Teen Behavior

One reason that teen drivers are more expensive to insure is because they are risk takers.

They are inexperienced and have not mastered the skills to survey the road and anticipate other drivers and situations.

Teens are also inexperienced in emergency techniques behind the wheel.

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Adding a Teen to Your Policy

Most insurance companies require that you add any driver that regularly uses the car to the policy.

Therefore, you need to make sure that you add your child to the insurance.

If you do not, then you might not receive proper benefits in case of an accident.

Another reason to add your teen to your policy is that you can receive the same discounts that are offered to you.

Make sure that before you add your teen to the policy, you talk to them about the importance of following the traffic laws and driving safely.

Before adding them to your policy, drive with them, so you can see how their driving skills are. You can help them work on their weaknesses so that they can be a good driver.

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Teens in College

If your teenager is in college and does not drive regularly, you may not need to put them on your policy.

As long as they will not be driving, you will save money by not putting them on your policy.

However, if they drive while they are home on vacations, you need to add them to the policy.

Overconfidence in Teens

Teen-agers think that they are invincible, and when you put them behind the wheel of a car, they have a new level of courage.

Some teen drivers don’t think that they need to put on their seatbelts, and others feel that it is alright to text and drive. Even the best students can be susceptible to driving mistakes.

Therefore, these can be just some of the reasons for higher insurance rates.

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Cost of Adding a Teen to Your Policy

Many people state that adding a teen to your car insurance could increase premiums up to 45 percent for adding them to one car, 57 percent for two vehicles and 62 percent for three or more cars.

Teens are more expensive to insure because they are considered more at risk to be in an accident. There are several ways for decreasing car insurance premiums for a teenager.

However, do not purchase them a car and then buy them their policy, or it will cost you a lot of additional money.

Reducing the Insurance Cost of Teen Drivers

There are several ways to reduce the cost of car insurance for teens, such as:

  • Asking for a good driver discount. If your teen maintains at least a 3.0 GPA, most companies will offer you a refund.
  • Getting involved in the community. Many companies offer discounts for being a member of certain organizations, including girl scouts, boy scouts or specific other groups.
  • Choosing a safe car that is inexpensive to insure. Large SUV’s, luxury cars or sports cars are more expensive to insure.
  • Enrolling the teenager in a safety course. They can take safety education or defensive driving and save a lot of money on car insurance.
  • Comparing quotes to find the best deals. Look online and obtain many different companies to see who will offer you the best prices.
  • You might also increase your deductibles. Your deductible is one of the most significant aspects that determine your premium so that a higher deductible will lower your insurance costs.

Comparing Car Insurance Companies

When adding a teen to your car insurance policy, it is a good idea to contact your current provider first to see what they can offer.

You can then begin comparing their cost with the cost of other providers.

There are several things that you can do when looking for a car insurance company:

  • Look at their ratings to see which company is reliable. Car insurance ratings will give you statistics on each company, including their records on handling claims and their strengths and weaknesses
  • Compare the customer reviews, so you will know how other customers feel about their insurance company.
  • Talk to your family and friends, as they might have had a positive or negative experience with a particular company.
  • Look at the customer service for each company. You will want a company that is available at all times to answer your questions.
  • You can also ask the company whether it is less expensive to pay on a monthly basis or to pay it ahead of time using a credit card.

Finally getting a car is one of the most significant moments in the life of a teenager, so it does not need to be a stressful experience for everyone in the household.

You should compare quotes today to find the best deal for adding your teen to your insurance policy.

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References:

  1. https://www.esurance.com/info/car/teen-driver-insurance-basics
  2. https://www.teensmartdriving.com/
  3. https://www.nationwide.com/auto-insurance-claims.jsp