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: Sep 19, 2020

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Key takeaways...

  • Teen drivers are considered high-risk drivers
  • Adding your teen to your policy can save you money
  • Teens who get good grades and drive responsibly are eligible for discounts

Many times people do not compare teenage car insurance rates and forget about the opportunities during the excitement of the teenager passing their driver’s test.

Every 16-year-old dreams of getting first car and driver’s license. They will often save up years in advance for a car of their own or beg their parents to buy one and they will enroll in classes to ensure that they will pass the exam.

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Table of Contents

About Teenage Drivers

Teenage drivers are truly an odd breed. They are inexperienced because they are just learning how to drive, yet they often choose to engage in the riskiest behaviors.

Learning how to drive take some time to really learn how the laws apply and how to maneuver the car.

However, the problem really comes in when the insurance companies have to consider the high-risk behaviors of teenage drivers.

Teenagers drive very fast and they follow other cars more closely than other drivers.

In more recent years they have begun to use their cellphones while driving, which is known as texting while driving.

All of these forces combine to make them the highest risk group of drivers.

In fact, insurance companies consider drivers between the ages of 16-19 to be the highest risk drivers in the country.

Many insurance companies only consider people over the ages 25 to be adult drivers because even drivers between 19-24 are still considered high risk.

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Car Insurance Tips for Teenage Drivers

Insurance companies do charge parents a lot money for coverage of their teen, and although there are quite a few programs for teen drivers, the premiums and costs are still relatively high.

Maintaining a clean driving record could help a teenager acquire the good driver discount from their insurance company!

There is not one figure available for teen driving insurance rates because it depends on a number of factors, but it can cost thousands of dollars for car insurance coverage.

The rates can also shift depending on what types of vehicles are at the household and insurance companies will refuse to cover teen drivers on certain types of cars, usually sports cars that drive at really high speeds.

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Ways to Save

Add to parent’s insurance policy

Insurers will generally charge less money if the teen is on the parent’s policy because they have the assets and financial means to pay for any accidents.

However, if the parent has a poor driving record and high insurance already, then it would be better for the teen to get their own independent policy.

Shop Around for Teen Car Insurance Rates

Make an effort to shop around and compare prices from different insurance prices.

The first offer will not be the best car insurance quote, so take some time to contact different insurance companies and if someone can offer you a better deal.

Look for Safe Driver Programs

Safe driver programs are offered by insurance companies and they have teen drivers sign a contract and pledge to not engage in risky behaviors like:

  • Drinking
  • Texting
  • Joyriding

This will usually reduce costs by about 5 percent in most cases.

Look for Good Student Discounts

Some insurance companies will offer car insurance discounts to teen drivers if they have good grades in school, usually anything between a 3.0 – 4.0 GPA.

This will usually reduce the costs by 15 percent because statistics have shown that good students generally have better driving records.

Finding Balance

Although teenage drivers are risky, they still deserve the opportunity to drive and gain some sort of independence.

Insurance companies understand this as well so they offer some programs for good students and drivers that take the safe driving pledge.

Ultimately, it is the parent’s responsibility to decide what options are best for their children and they should have some frank discussions with them before they hand over the car keys.

So don’t wait any longer! Compare car insurance and find cheap car insurance for your teenage with our zip code search below!

References:

  1. https://www.ncbi.nlm.nih.gov/pmc/articles/PMC3741039/
  2. https://www.esurance.com/info/car/teen-driver-insurance-basics
  3. https://www.thebalance.com/how-to-get-car-insurance-with-a-bad-driving-record-3572457
  4. http://www.nsc.org/learn/Safety-Training/Pages/defensive-driving-driver-safety-training.aspx
  5. https://www.statefarm.com/insurance/auto/discounts
  6. https://www.progressive.com/answers/teen-driver-insurance/