{"id":320757,"date":"2025-11-11T09:21:42","date_gmt":"2025-11-11T14:21:42","guid":{"rendered":"https:\/\/www.reviews.com\/?p=115020"},"modified":"2025-11-11T09:21:42","modified_gmt":"2025-11-11T14:21:42","slug":"adding-a-teen-driver","status":"publish","type":"post","link":"https:\/\/www.reviews.com\/insurance\/car\/adding-a-teen-driver\/","title":{"rendered":"How to Add A Teen Driver to Your Car Insurance"},"content":{"rendered":"\n<h2 class=\"wp-block-heading\">Reviews Report<\/h2>\n\n\n\n<ul class=\"is-style-blog-list\"><li>On average, adding a newly licensed 16-year-old to a married couple\u2019s full coverage auto policy typically raises premiums by about 80%\u2013100% nationally, with higher increases for male teens and in high-cost states; in some scenarios, the jump can exceed 120% (see recent analyses from <a href=\"https:\/\/www.bankrate.com\">Bankrate<\/a>, <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-report\/\">The Zebra<\/a>, and <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).<\/li><li>There is a larger average increase in car insurance premiums if the teenager is male, especially at age 16, in states where gender is an allowed rating factor; however, <a href=\"https:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2019\/release002-19.cfm\">California<\/a>, <a href=\"https:\/\/law.justia.com\/codes\/hawaii\/2019\/title-24\/chapter-431\/section-431-10c-207\/\">Hawaii<\/a>, <a href=\"https:\/\/www.mass.gov\/info-details\/auto-insurance-in-massachusetts-a-consumer-guide\">Massachusetts<\/a>, and <a href=\"https:\/\/www.michigan.gov\">Michigan<\/a> prohibit the use of gender in private passenger auto rating.<\/li><li>The type of vehicle you choose for your teen, as well as the coverages and levels of coverage you buy, can affect your premium.&nbsp; EVs and many performance\/luxury models tend to carry higher physical-damage costs, while many minivans and mainstream small\u2013midsize SUVs often rate lower; theft risk also matters (<a href=\"https:\/\/www.mitchell.com\">EV repairs<\/a>; <a href=\"https:\/\/www.cccis.com\">ADAS\/repair costs<\/a>; <a href=\"https:\/\/www.iihs.org\">vehicle class losses<\/a>; <a href=\"https:\/\/www.nicb.org\/news\/news-releases\/nicb-releases-2024-hot-wheels\">theft trends<\/a>).<\/li><\/ul>\n\n\n\n<p>A 16th birthday is a milestone birthday for many teenagers who are eligible to graduate from a learner\u2019s permit to a driver\u2019s license. This change presents a challenge for many parents when faced with adding a teen driver to their car insurance policy. A <a class=\"achor-toggles\" href=\"https:\/\/www.bankrate.com\">study by Bankrate.com<\/a> and other 2025 analyses indicate that adding a newly licensed teen to a parent\u2019s full coverage policy typically raises premiums by roughly 70%\u2013100% on average nationally, with higher increases for 16-year-old males and in high-cost states; in some scenarios, increases can exceed 120% (see <a href=\"https:\/\/www.forbes.com\">Forbes Advisor<\/a>, <a href=\"https:\/\/www.thezebra.com\/resources\/research\/state-of-auto-insurance-report\/\">The Zebra<\/a>, <a href=\"https:\/\/www.nerdwallet.com\">NerdWallet<\/a>).<\/p>\n\n\n\n<p>With such a large potential percentage increase layered onto already elevated auto insurance prices, is there any way for parents to offset the cost? Auto insurance premiums have climbed broadly in recent years as claim severity, parts and labor costs, medical inflation, and weather losses pushed prices higher (<a href=\"https:\/\/www.bls.gov\/cpi\/\">BLS CPI<\/a>; <a href=\"https:\/\/www.iii.org\/issue-update\/trends-and-insights-auto-insurance\">Insurance Information Institute<\/a>). Adding a teen driver to car insurance without intense premium increases requires taking advantage of discounts, utilizing safe driver programs, and being intentional with coverage limits.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How to Add a Teen Driver to Your Car Insurance<\/h2>\n\n\n\n<p>Follow these steps for adding a teen driver to your car insurance policy.<\/p>\n\n\n\n<ol><li><strong>Speak with your insurance agent:<\/strong> Before your teen gets their learner\u2019s permit, have a conversation with an insurance agent about when to add the teenager to the policy. Some companies may recommend the teen be added upon getting their permit, while others may require you to wait until the teen receives their driver\u2019s license.<\/li><li><strong>Get a quote:<\/strong> Ask for a quote to add your teen to the car insurance so you can be prepared for the cost increase. While <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/everything-you-should-know-about-car-insurance-quotes\/\">quoted premiums<\/a> can change, getting a quote ahead of time can at least give you a ballpark figure, so you know how to budget for the future cost of adding your teen \u2014 and revisit quotes at license milestones as prices and discount options can shift (see <a href=\"https:\/\/www.jdpower.com\/business\/press-releases\/2025-us-insurance-shopping-study\">J.D. Power 2025 Insurance Shopping Study<\/a>).<\/li><li><strong>Ask about discounts:<\/strong> Ask the agent about discount eligibility for your teen to help lower the cost of adding them to the car insurance policy. Many carriers offer good student discounts, driver training discounts, or telematics programs that could give your teen a discount for safe driving behaviors. For example, good student savings can be significant with some insurers (<a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/good-student\">State Farm up to 25%<\/a>; <a href=\"https:\/\/www.travelers.com\">Travelers up to 8%<\/a> where available), and usage-based programs can offer sizable, behavior-based savings.<\/li><li><strong>Shop around:<\/strong> Get <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/quotes\/\">quotes<\/a> from other car insurance companies to see which offers the best rates and coverage for your family when adding a teen to the insurance policy, and compare telematics\/usage-based options as part of your quote shopping (<a href=\"https:\/\/content.naic.org\">NAIC telematics overview<\/a>).<\/li><li><strong>Take advantage of usage-based telematics programs:<\/strong> Many <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/best\/\">insurance companies<\/a> offer monitoring programs for teen drivers. These programs usually track your speed, hard brakes and acceleration, idle time, and other driving metrics. If your teen is a safe driver, they may earn a personalized discount \u2014 for instance, <a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\/\">Nationwide SmartRide<\/a> advertises up to 40% based on driving (with 10% just for enrolling, where available) and <a href=\"https:\/\/www.travelers.com\">Travelers IntelliDrive<\/a> up to 30% in many states (note that risky driving can increase premiums in some jurisdictions).<\/li><li><strong>Stay current with your policy:<\/strong> As your life changes, your insurance needs may change too. Review your policy regularly and make sure you talk to an agent on occasion to help ensure the coverage types and levels still work for your situation.\u00a0<\/li><\/ol>\n\n\n\n<h2 class=\"wp-block-heading\">How a Teen Driver Affects Car Insurance Premiums<\/h2>\n\n\n\n<p>Although the average cost increase for adding a teen driver to car insurance is already steep \u2014 commonly about 70%\u2013100% in recent national analyses \u2014 the cost may be even higher if the teenager is male. The Centers for Disease Control and Prevention (CDC) consider <a href=\"https:\/\/www.cdc.gov\" target=\"_blank\" aria-label=\" (opens in a new tab)\" rel=\"noreferrer noopener nofollow\" class=\"achor-toggles\">male teen drivers riskier to insure<\/a> than females, so parents of male teenagers may need to be prepared for even higher premiums. However, a handful of states \u2014 <a href=\"https:\/\/www.insurance.ca.gov\/0400-news\/0100-press-releases\/2019\/release002-19.cfm\">California<\/a>, <a href=\"https:\/\/law.justia.com\/codes\/hawaii\/2019\/title-24\/chapter-431\/section-431-10c-207\/\">Hawaii<\/a>, <a href=\"https:\/\/www.mass.gov\/info-details\/auto-insurance-in-massachusetts-a-consumer-guide\">Massachusetts<\/a>, and <a href=\"https:\/\/www.michigan.gov\">Michigan<\/a> \u2014 ban the use of gender as a car insurance rating factor.<\/p>\n\n\n\n<p>The state you live in will also play a big role in the <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/understanding-insurance-rates\/\">car insurance rate<\/a> you pay for your teen. Some states have lower average car insurance premiums in general, so the cost for adding a teen is typically lower as well. Hawaii doesn\u2019t allow car insurance companies to factor in age as a rating factor, so rates for teens may be quite a bit lower in the Aloha State (<a href=\"https:\/\/law.justia.com\/codes\/hawaii\/2019\/title-24\/chapter-431\/section-431-10c-207\/\">see statute<\/a>). Additionally, the coverage types and levels you choose, as well as the type of vehicle your teen drives, will impact premiums \u2014 EVs and many performance\/luxury models often cost more to insure than comparable mainstream models, while many minivans and small\u2013midsize SUVs tend to be cheaper on average (<a href=\"https:\/\/www.iihs.org\">HLDI losses by model<\/a>; <a href=\"https:\/\/www.cccis.com\">CCC Crash Course<\/a>). When in doubt, you can get quotes for a few different levels of coverage to figure out which works best for your needs. And if you\u2019re shopping for a car for your teen, getting an insurance quote before you buy could help you avoid expensive surprises.\u00a0<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">How to save on teen car insurance<\/h3>\n\n\n\n<p>Because adding a teen driver is almost guaranteed to cause a huge premium increase, it can pay to find ways to save on car insurance. Here are four ways to reduce the cost of adding a teenager to your auto insurance policy:<\/p>\n\n\n<div id=\"block_620bfea979173\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Use teen driver safety and discount programs<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Many insurance companies offer teen <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/teens-parents-summer-driving-safety\/\"><span style=\"font-weight: 400;\">driver safety<\/span><\/a><span style=\"font-weight: 400;\"> programs, which can command a discount on cost increases and make the teenager a safer driver.<\/span><\/p>\n<p><a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/steer-clear\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">State Farm\u2019s Steer Clear program<\/span><\/a><span style=\"font-weight: 400;\">, for example, is app-based and requires teenagers to view safe driving videos, record driving trips and take quizzes to assess their knowledge. Once completed, the teenager may receive a discount on the car insurance policy (discounts vary by state).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Additionally, American Family has a <\/span><a href=\"https:\/\/www.amfam.com\/insurance\/car\/teensafedriver\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Teen Safe Driving Program<\/span><\/a><span style=\"font-weight: 400;\">, which helps teenagers develop safe driving habits. This program is also app-based, and after a period of monitored driving, the teen driver may be awarded a discount (amounts and eligibility vary by state).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These programs (and others like those offered by other insurers) usually require a clean driving record free of tickets and accidents, encouraging teen drivers to make better choices behind the wheel.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_620bfed479174\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Take advantage of discounts<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Another way to save on teen car insurance is to take advantage of discounts. Besides the teen driver safety and discount programs, there are several other discounts teens can typically qualify for:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Good student discount:<\/strong> Full-time students with a B or above grade point average in school can usually receive a discount from insurers for having good grades in high school or college, as long as the driver is unmarried and under 25. Examples include <\/span><a href=\"https:\/\/www.statefarm.com\/insurance\/auto\/discounts\/good-student\"><span style=\"font-weight: 400;\">State Farm (up to 25%)<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.travelers.com\"><span style=\"font-weight: 400;\">Travelers (up to 8%)<\/span><\/a><span style=\"font-weight: 400;\"> where available, and programs like Allstate\u2019s <\/span><a href=\"https:\/\/www.allstate.com\/auto-insurance\/discounts\/smart-student\"><span style=\"font-weight: 400;\">Smart Student<\/span><\/a><span style=\"font-weight: 400;\"> for drivers under 25.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Low mileage discount:<\/strong> If your teen is just driving to and from school, they may qualify for a low-mileage discount, depending on how many miles they drive each day. Usage-based insurance can also reward lower mileage and safer driving (<\/span><a href=\"https:\/\/content.naic.org\"><span style=\"font-weight: 400;\">NAIC overview<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_620bfef679175\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Use a monitoring app or device<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Even if the teen driver completes a safety program geared towards teenagers, the entire family can also enroll in programs like Progressive\u2019s <\/span><a href=\"https:\/\/www.progressive.com\/auto\/discounts\/snapshot\/snapshot-details\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Snapshot<\/span><\/a><span style=\"font-weight: 400;\"> or Allstate\u2019s <\/span><a href=\"https:\/\/www.allstate.com\/drive-wise.aspx\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Drivewise<\/span><\/a><span style=\"font-weight: 400;\">, as well as other widely available options such as <\/span><a href=\"https:\/\/www.nationwide.com\/personal\/insurance\/auto\/discounts\/smartride\/\"><span style=\"font-weight: 400;\">Nationwide SmartRide<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.travelers.com\"><span style=\"font-weight: 400;\">Travelers IntelliDrive<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">These monitoring apps track cumulative miles driven and driving habits, rewarding safe driving practices like avoiding hard braking, avoiding rapid acceleration, and avoiding driving late at night. While teens can contribute to savings by demonstrating safe driving habits, the entire family can also participate. Discounts will be based on the data received from the tracking program. Be aware that some companies may increase your premium if the data shows you are a less-safe driver (for example, Travelers notes this in some states).<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Similar to pay-per-mile, driving fewer miles is often rewarded, along with safe driving styles. Parents can lead by example and use the app data to discuss safe driving habits with teen drivers while also monitoring when and where they are driving when the parent is not with them (<\/span><a href=\"https:\/\/content.naic.org\"><span style=\"font-weight: 400;\">NAIC telematics guidance<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_620bff1f79176\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Consider policy changes<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Even when participating in driving safety programs, monitoring apps and applying discounts, car insurance premiums can still be high if you have a teenager on your policy. Parents may want to consider making other policy changes to their car insurance policy for additional savings:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Bundle policies:<\/strong> If your home and auto policies are not insured with the same company, consider bundling the policies together for more savings. <\/span><a href=\"https:\/\/www.erieinsurance.com\/auto-insurance\/insurance-bundle#:~:text=Whether%20you're%20looking%20to,may%20be%20differences%20by%20state.)\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Erie<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.statefarm.com\/insurance\/multiline\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">State Farm<\/span><\/a><span style=\"font-weight: 400;\"> advertise multi-policy savings, though eligibility and amounts vary by state and situation \u2014 ask your insurer for details.<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Increase your deductibles:<\/strong> Consider increasing the <\/span><a href=\"https:\/\/www.reviews.com\/insurance\/car\/what-is-an-insurance-deductible\/\"><span style=\"font-weight: 400;\">deductibles<\/span><\/a><span style=\"font-weight: 400;\"> for comprehensive or collision coverage for savings; generally, the higher your deductibles, the lower your premium. Just make sure you choose levels that you can afford to pay if you file a claim.\u00a0<\/span><\/li>\n<li style=\"font-weight: 400;\" aria-level=\"1\"><span style=\"font-weight: 400;\"><strong>Choose a different car:<\/strong> Insurance rates vary by make and model, so it may make sense to get a different car. Although this may not be the most practical step for everyone, it could have a big impact on your premium. Many minivans and mainstream small\u2013midsize SUVs often have better-than-average loss results, while EVs and many performance\/luxury models can carry higher repair costs and premiums (<\/span><a href=\"https:\/\/www.iihs.org\"><span style=\"font-weight: 400;\">HLDI losses by model<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.mitchell.com\"><span style=\"font-weight: 400;\">EV repair trends<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.cccis.com\"><span style=\"font-weight: 400;\">CCC Crash Course<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/li>\n<\/ul>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Insurance Coverage Teens May Need<\/strong><\/h2>\n\n\n\n<p>When adding a teen driver to car insurance, there are some coverages that may benefit you to consider including in your policy. Although it may cost more initially, these coverages can provide financial protection if the teenager is involved in an <a href=\"https:\/\/www.reviews.com\/insurance\/car\/how-car-accident-affect-insurance\/\">accident<\/a>.<\/p>\n\n\n\n<ul><li><strong>Collision:<\/strong> This coverage is part of <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/full-coverage\/\">what is considered full coverage<\/a>. It pays to repair or replace a vehicle damaged in an at-fault collision. If the teen driver is responsible for an accident, there is no coverage for the damages to their car unless collision coverage is in the policy.<\/li><li><strong>Comprehensive:<\/strong> Another part of full coverage, comprehensive provides physical damage coverage for many instances that collision doesn\u2019t cover. This includes vandalism, theft of the car, hitting an animal, damage due to weather events, and broken glass (note that theft risk varies by model and location; see <a href=\"https:\/\/www.nicb.org\/news\/news-releases\/nicb-releases-2024-hot-wheels\">NICB\u2019s latest theft trends<\/a>).<\/li><li><strong>Higher liability limits:<\/strong> Increasing liability limits beyond <a class=\"achor-toggles\" href=\"https:\/\/www.reviews.com\/insurance\/car\/state-requirements\/\">state minimum requirements<\/a> adds a layer of protection if a teenager causes damages or injury in a collision. The bodily injury and property damage liability coverage pays for the other parties involved. Higher limits could help you avoid high out-of-pocket costs after an accident.\u00a0<\/li><\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Teen Car Insurance FAQ <\/h2>\n\n\n<div id=\"block_620bff7379177\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">When should a teenager get their own car insurance policy?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">Teens under 18-year-old are considered minors and cannot own their own insurance policies. Once a teen is 18 years old, they can legally buy their own policies, but there may be circumstances where it\u2019s best not to. I<\/span><span style=\"font-weight: 400;\">f your teen is still living at home (or is away at school but still technically a member of your household), it may be advantageous to leave them on your policy, as teens will usually pay higher rates on their own policies. Keeping the teen on a parent policy is typically cheaper than a standalone teen policy (<\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate analysis<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/www.nerdwallet.com\"><span style=\"font-weight: 400;\">NerdWallet guidance<\/span><\/a><span style=\"font-weight: 400;\">). But if your teen has moved out and has established their own household, they\u2019ll probably need their own policy.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_620bff8879178\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">What is the best way to insure a teenage driver?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">The best way to insure a teenager is to think about which coverages are most likely to provide essential financial protection and encourage safe driving to avoid accidents and tickets. These driving incidents generally increase rates, and because teens are already expensive to insure, tickets and accidents could send your premium skyrocketing. Taking advantage of discount programs is another way to save when adding a teen driver to car insurance, including enrolling in usage-based programs early and assigning the teen to the least expensive vehicle on the policy (<\/span><a href=\"https:\/\/www.bankrate.com\"><span style=\"font-weight: 400;\">Bankrate<\/span><\/a><span style=\"font-weight: 400;\">; <\/span><a href=\"https:\/\/content.naic.org\"><span style=\"font-weight: 400;\">NAIC telematics overview<\/span><\/a><span style=\"font-weight: 400;\">).<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n<div id=\"block_620bff9c79179\" class=\"block b-accordion\" data-js=\"b-accordion\">\n    <div class=\"b-accordion__container\">\n        <div class=\"b-accordion__header\">\n            <a href=\"#\" class=\"b-accordion__title\" data-tag='cta' data-tag-element-type='LINK' data-tag-location='ACCORDION' data-tag-outcome='INTERNALLINK' ><h3 class=\"b-accordion__title--h3\">Does a learner\u2019s permit affect car insurance rates?<\/h3><\/a>\n            <span class=\"b-accordion__toggle chevron-arrow-down\"><\/span>\n        <\/div>\n        <div class=\"b-accordion__content\" style=\"display: none;\">\n            <p><span style=\"font-weight: 400;\">It depends on the auto insurer. Some companies ask households to add permit-holders to their car insurance policies so that the carrier is aware an inexperienced driver is practicing with the insured vehicles. Other carriers add permit holders as drivers, which affects premiums. However, many companies ask households to wait until a teen has their driver\u2019s license to add them to the policy. In that case, a permit does not affect your insurance prices.<\/span><\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n\n\n<h2 class=\"wp-block-heading\">Methodology<\/h2>\n\n\n\n<p>Reviews.com reviews products, services, and companies based on five criteria to help readers understand how companies compare based on similar metrics. As for average pricing, we used Bankrate.com\u2019s most recent analyses of car insurance rates (leveraging industry rate data such as Quadrant) to benchmark the typical range of premium changes when adding a teen driver. For full coverage, the details used were the following:<\/p>\n\n\n\n<ul><li>$100,000 bodily injury liability per person<\/li><li>$300,000 bodily injury liability per accident<\/li><li>$50,000 property damage liability per accident<\/li><li>$100,000 uninsured motorist bodily injury per person<\/li><li>$300,000 uninsured motorist bodily injury per accident<\/li><li>$500 collision deductible<\/li><li>$500 comprehensive deductible<\/li><\/ul>\n\n\n\n<p>To determine minimum coverage limits, Bankrate used minimum coverage that meets each state\u2019s requirements. Our base profile drivers own a Toyota Camry, commute five days a week, and drive about 12,000 miles annually.\u00a0<\/p>\n\n\n\n<p><strong>Age:<\/strong> Rates were calculated by evaluating our base profile (40 years of age) with a 16-year-old driver applied. Depending on age, drivers may be a renter or homeowner. Hawaii rates indicate age is not a contributing factor.<\/p>\n\n\n\n<p><strong>Gender: <\/strong>The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan.<\/p>\n\n\n\n<p>Rates are accurate as of 2025. These are sample rates and should only be used for comparative purposes.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Reviews Report On average, adding a newly licensed 16-year-old to a married couple\u2019s full coverage auto policy typically raises premiums by about 80%\u2013100% nationally, with higher increases for male teens and in high-cost states; in some scenarios, the jump can exceed 120% (see recent analyses from Bankrate, Forbes Advisor, The Zebra, and NerdWallet). There is [&hellip;]<\/p>\n","protected":false},"author":345,"featured_media":362235,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[1266],"tags":[21449],"post_author":[25700],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>How to Add a Teen Driver to Your Car Insurance | Reviews.com<\/title>\n<meta name=\"description\" content=\"We\u2019ve made a list of important factors to keep in mind before adding a teen driver to your insurance and how to do it without breaking the bank.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.reviews.com\/insurance\/car\/adding-a-teen-driver\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" 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