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

Full Bio →

Written by

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.

Full Bio →

Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Nov 9, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right car insurance coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our car insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different car insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

Use our FREE quote tool to compare auto insurance rates today!

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.

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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.

Compare Car Insurance Companies

Compare quotes from the top car insurance companies and save

 Secured with SHA-256 Encryption

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!