Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 Chris Harrigan

UPDATED: Sep 26, 2020

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Key takeaways...

  • Any driver on public roads in the U.S. is required to be covered by car insurance
  • If you have a new teen driver, you may want to have the teenager added to your auto insurance policy
  • Auto insurance can be very expensive for teen drivers on their own because they are higher risk drivers
  • Taking a driver’s safety course can help to get your teen driver a discount from some companies on auto insurance

Anyone who will be driving on public roads needs car insurance to be in compliance with state laws.

Most car dealerships will not allow you to drive away with a car without being able to show proof of current insurance or getting confirmation from your car insurance company that you will be insured for the new car.

If you have a new teen driver in your household, you should call your auto insurance agent to have him or her added onto your current policy. Because of the rate being too high, it probably does not make sense for your new teen driver to have his or her own auto insurance policy just yet.

The good news is that adding a driver to your policy does not take much time or effort at all.

Enter your zip code above to find cheap car insurance for your teenage driver!

Car Insurance for a New Teen Driver


The major reason that car insurance is so expensive for new teen drivers is that they do not have experience driving so they are considered high-risk.

In general, teen drivers are more likely to get into an accident than more experienced drivers. You should take this opportunity to explain to your new teen driver that having auto insurance is part of the responsibility of operating a vehicle and should be factored into the expense of owning a car.

Another thing that it is important to explain to a new teen driver is that having any type of moving violation or accident on your record will significantly increase the price you pay for car insurance.

That is why it is even more important for new teen drivers to be extra careful when driving so that they are able to eventually lower the rate they pay to get insurance.

You may want to get multiple quotes from companies to understand the best option for having a teen driver on your insurance.

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Adding Your Teen Driver to Your Existing Car Insurance

When you ask about adding your teen driver to your car insurance policy, you will need to determine whether they will have the right to drive your car or will be driving their own vehicle.

If you have an option in the selection process, you should ask your insurance agent to assign your teen driver to the car in your household that costs the least amount of money to insure. Typically, this will also be the least valuable car.

You should be proactive about this question because not all insurance companies will do this automatically.

In fact, many companies will automatically assign teen drivers to the most expensive car to insure in your household.

If you make this particular selection and adding your team to your car insurance policy, make sure that your teen driver only drives the car he or she is assigned to.

This is especially important because if your teen driver is involved in an accident while driving another car, there may not be coverage under your policy.

In addition, this incident could also result in paying higher premiums for your insurance as well as various penalties.

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Increasing Your Coverage Limits for a Teen Driver

When you have a teen driver added to your family’s car insurance policy, you are automatically increasing the risk of an accident and a claim having to be filed under your policy.

You should think carefully about whether you can afford to increase the limits of your coverage. If your teen driver is found liable for an auto accident, you could be financially responsible for paying the cost of any damages caused.

Another option to consider is having an umbrella liability policy. The cost of carrying an umbrella liability policy is inexpensive and comparison to the total coverage you could be receiving.

If you are sued, an umbrella liability policy picks up any gaps in coverage between your auto insurance and your homeowner’s insurance policy.

Discounts for a Teen Driver


With some insurance companies, your teen driver can get a discount for maintaining good grades. Discuss whether this is a possibility with your current insurance agent. if it is, make sure you encourage your teen driver to maintain a good academic record.

If your teen driver is going away to school and will not be driving a car, you may want to have the insurance company remove the coverage for a temporary period of time.

Make sure to have your teen driver added back onto the policy when he or she comes home from school and plans to drive.

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The Last Word on Auto Insurance for a New Teen Driver

The best course of action for getting insurance for a new teen driver is probably to have him or her added to your own insurance policy.

Explain the importance of safety on the road and good driving practices to them, so they can avoid any accidents, keep themselves safe, and maintain a reasonable rate for car insurance both on your policy and when they attain their own.

Enter your zip code below to find the best car insurance rates for your teen!