Learning to drive is an exciting moment in one's life, but it can also be costly for parents with teen drivers. Furthermore, safety concerns can quickly make the process feel overwhelming. Thankfully, AIS can help. Our insurance specialists have years of experience assisting parents insure their teen drivers.
As parents, it's important to be well informed before your teen gets behind the wheel. Luckily, AIS has years of experience helping parents ensure their teen drivers have the proper level of coverage. Specific regulations regarding teen auto insurance can vary depending on multiple factors, so always speak with an insurance specialist before making any policy changes.
Most states require all drivers to hold an active auto insurance policy. Your child may be covered under your auto insurance with their learner's permit, depending on your state. Once licensed, you may be eligible to add your teen driver to your policy, or they can purchase their own.
Because most insurance companies use driving history as a factor for premiums, adding a teen driver to your policy will usually result in higher rates. However, some insurance companies may offer teen driving discounts that could help you offset any rate increases.
Purchasing a separate policy for your teen driver can be costly.
Teen drivers lack the necessary driving experience that can help them better avoid traffic tickets and accidents. Additionally, teen drivers are responsible for more car accidents than any other age group, making them an expensive addition.
However, the costs for insuring your driver will ultimately depend on multiple factors such as their ZIP code, vehicle, and driving history.
To offset the cost of adding your child to your auto insurance policy, there are discounts that you can take advantage of. Common examples of teen driver discounts include:
Raising your deductible or adjusting your existing policy are other ways to potentially save when adding a teen driver.
Read more about potential discounts by visiting our auto insurance discounts page.
Before purchasing auto insurance for your teen driver, they'll first need a car to drive.
According to The Insurance Institute for Highway Safety, these are the top ten safest cars for teen drivers. All vehicles listest are winners of IIHS's top safety pick award.
Keeping your teen driver safe on the road will require you to give them the proper guidance for establishing safety precautions.
Discuss the following with your teen when speaking about safety to keep them protected.
Teen driving laws can vary greatly depending on where you live. From driving restrictions to passenger information, it's important to understand any teen driver restrictions in your state. Use the table below to quickly review your state's teen driver restrictions.
Watching your teen pass their driving exam is an exciting time in life. To add your teen to an existing policy, follow these tips.
Certain expenses in life are out of your control, but when it comes to auto insurance, typical discounts may help you save.
Discover if your student driver qualifies for a good student discount that could help you save when adding a teen driver to your policy.