Getting car insurance for a young driver can be pricey due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it’s more affordable to add your licensed or permitted teenage driver to your existing auto insurance policy.

Do I have to add my teenage driver to my insurance?

A teenage driver must have car insurance in almost every state, so they can either be added to your policy or insured with a separate policy. Buying a standalone policy for a teenager can be expensive due to their lack of driving experience and a higher likelihood of accidents, so it's usually more affordable to add a young driver to your existing policy. By adding them to your policy, they benefit from the savings and rate you've earned as a longtime driver with (in most states) an established credit history. Here are a few more reasons why it's usually best to add a young adult driver to your car insurance policy:

1. Control: Since you already own the policy, you can easily add and update coverage to make sure your teen driver has the right protection.
2. Flexibility: If your household has multiple vehicles, your teenager will be insured to drive all of them.
3. Convenience: You’ll only have to manage one policy.

How much is car insurance for teens?

A separate car insurance policy for teen drivers can be expensive because they have a greater tendency to drive distracted, speed, tailgate, and not wear a seatbelt. The average cost of teen car insurance, however, will vary based on the exact age of the driver, their ZIP code, driving history, and vehicle type.

How much does it cost to add a teenage driver to my insurance?

It's generally cheaper to add a teen driver to an existing insurance policy rather than buy a separate policy for them. That's because putting a teen driver on their own policy means they don't benefit from the comparatively lower rate you've earned as a more experienced driver. Plus, teen drivers have a greater risk of getting into an accident, which means a separate policy would be priced higher to offset the increased risk of a claim.

The best teen car insurance means customized protection. Get a free online quote or call 1-888-853-8992 and we’ll ask the right questions to get your teenager properly covered!