Teen Driver? How to Add Them Without Wrecking Your Rate

There's no way around it: adding a teenage driver raises your auto premium. New drivers are statistically more likely to have accidents, and your policy reflects that risk. But there are real ways to keep the increase manageable.

Start with the discounts. Many carriers offer a good-student discount for teens who keep their grades up, and a discount for completing an approved driver-training course. These add up, so ask about every one you might qualify for.

The car matters, too. A sensible, safe vehicle with good safety ratings will almost always cost less to insure than a fast or flashy one. If your teen is driving an older family car rather than a brand-new vehicle, that helps as well.

Be honest about who drives what. Trying to leave a licensed teen off the policy to save money can backfire badly — a claim could be denied. It's not worth the risk.

Finally, call us before your teen hits the road, not after. We can walk through your options, apply the right discounts, and make sure everyone in your household is properly covered. A quick conversation now can save you money and a lot of stress later.