Enter your ZIP code:

Insuring Your Teen Driver

by Penny M. Hagerman

Teenagers love the sense of freedom and control they get from driving a car. With license and steering wheel in hand, the world is theirs—and they feel invincible.

But the rush a teen gets behind the wheel of a car often causes him or her to take risks that experienced drivers don't. This makes a teen a serious threat to everyone on the road, causes car insurance rates to skyrocket and results in higher insurance rates.

Saving Money on Teen Car Insurance

Many car insurance companies consider drivers under the age of 25 a higher-than-average risk for vehicle-related accidents. This high risk of teen accident and death can skyrocket your insurance rates 50 to 100 percent, says Jeanne Salvatore of the Insurance Information Institute (III), and often translates into high teen auto insurance premiums.

But wait—don't take away your teenager's car keys just yet. You can save money and afford the insurance you need to cover your teenager…if your teen expends some effort and follows these guidelines:

  • Keep a Clean Driving Record — Just one DWI conviction can raise teen insurance rates from a base premium of a few hundred dollars to thousands of dollars annually for at least three years.
  • Earn Brownie Points — Many companies offer discounts to teens that attend high school or college full-time and maintain at least a 3.0 grade point average. Insurance agents also offer discounts to those taking a locally accredited driver safety course or other state-certified programs. (Ask your agent about these discounts, or get online information from the National Safety Council.)
  • Involve Yourself in Your Community — Young people who join certain civic or community organizations such as Eagle Scouts or Girl Scouts may receive discounts from their car insurance providers, says David Champion of Consumer Reports. These companies are trying to find the least risky teens, so they often reward time spent bettering your community with discounts, Champion adds.
  • Choose a Safer Car — Teen car insurance may cost up to 50 percent less if your teen drives a safer car such as a Honda Civic or a Volvo, according to Champion. Newer model cars with airbags are the least expensive to insure—and the safest for your teen to drive. Sports cars, expensive cars, high-performance cars and SUVs carry higher risk and higher insurance premiums.
  • Add Safety Features — Safety features such as anti-lock brakes, traction control, automatic seat belts and side-impact air bags can reduce teen car insurance rates considerably.

Teaching by Example

More young people between the ages of 15 and 20 die in car crashes than from anything else—causing risk for the car insurance company and higher quotes for teen drivers.

One of the best ways to offset this risk and keep teens safe is for adults to set a good example behind the wheel. Parents who actively model safe driving practices like these in front of their teen ultimately produce better adult drivers with lower car insurance quotes:

  • Brush up on state laws. Know state driving and insurance rules, as well as their effect on teen car insurance quotes, and practice them while driving.
  • Enforce safety and low quotes by making your teen participate in Graduated Driver Licensing, a three-step program that helps new drivers practice car driving under lower-risk conditions before becoming fully car licensed and requesting quotes.
  • Set and enforce rules for when, where, how and with whom the teen may drive the car—and practice the same guidelines in the car yourself—to help keep teen quotes low.
  • Ask your car insurance company about electronic tracking devices that monitor the way your teen drives the car—and their effect on quotes. Then use the information gathered to teach teen drivers safe habits and save money with low teen quotes.

Safe Driving Tips

Adding a young person to your car nsurance policy can raise rates 50 to 100 percent. But with a few simple steps, you can help keep auto insurance rates low by insisting your teen follows these rules:

  • Keep the number of car passengers to a minimum. The more people riding in the car, the greater the likelihood of accident—and high teen insurance quotes. In fact, with multiple car passengers, the risk of crashing is three to five times greater than when driving alone, which partially accounts for high teen insurance rates.
  • Slow down. 90 percent of teens admit to speeding—one of the main causes of teen car crashes—and higher insurance quotes.
  • Buckle up. About two-thirds of teens who die in car wrecks are not wearing seat belts. For more advice on the subject, talk to your insurance agent about the effect of accident on teen quotes.
  • Put the phone down. Driving while talking on the phone, dialing or texting distracts a teen, and increases the incidence of car accident and high insurance quotes.
  • Speak up. If a teen friend is driving recklessly, ask him or her to quit—or get out of the car as soon as it's safe to do so.
  • Stay home when under the influence. 25 percent of teen drivers killed are intoxicated, leading to increased teen insurance quotes.

Experts say the part of the teen brain that weighs risk, makes judgment calls and controls impulsive teen behavior doesn't mature until they're around 25. However, young drivers can overcome most immaturity issues—and keep car insurance rates low—simply by following these guidelines.

Driving is a privilege your teenager should respect, so lay down some ground rules before he or she gets ever gets into the driver's seat! By laying down a few ground rules, you can help your teen approach the wheel with a mature attitude—and save money when covering your young driver.

List of Articles
No. Subject Author Views
85 Rental Car Insurance: Do You Really Need It? youcomparequotes 17612
84 Auto Insurance: The Secret Weapon for Saving at the Pump youcomparequotes 17943
83 Getting the Cheapest Car Insurance in Your State youcomparequotes 16887
82 Play It Safe for Cheap Truck Insurance Rates youcomparequotes 17322
81 How to Get Discount Auto Insurance youcomparequotes 17693
80 Insurance for Van Lovers youcomparequotes 17385
79 Car Insurance That Fits Your Needs youcomparequotes 17093
78 Online Car Insurance Quotes in 5 Easy Steps youcomparequotes 17276
77 Getting Insured with an Online Auto Insurance Quote youcomparequotes 18294
76 Home and Auto Insurance: Sure-Fire Protection in Unsure Times youcomparequotes 17098
75 How to Keep Teen Car Insurance Quotes at Bay youcomparequotes 19336
74 Choosing Cheap Online Car Insurance That Fits Your Life youcomparequotes 17677
73 Auto Insurance from InsureMe youcomparequotes 17596
72 Car Insurance Comparisons Save You Time & Hassle youcomparequotes 17956
71 Car Insurance Companies & InsureMe Save You Money youcomparequotes 18347
70 Buying and Insuring a New Car youcomparequotes 16728
69 Compare Auto Insurance Rates youcomparequotes 17061
68 Safety Measures Lower Auto Insurance Quotes youcomparequotes 16565
67 Getting Car Insurance Quotes, from Beginning to End youcomparequotes 16663
66 The Car Insurance Quote & Ratings Factors youcomparequotes 17150
65 What's Behind Your Auto Insurance Quotes? youcomparequotes 17264
64 How Cheap Car Insurance Can Save You Money youcomparequotes 16595
63 How to Reduce Car Insurance Prices youcomparequotes 17140
62 Getting Insured with Free Car Insurance Quotes youcomparequotes 17335
61 Auto Owners Insurance & Costly Driving Mistakes youcomparequotes 16650
60 Auto Insurance Cost & Your Ride youcomparequotes 17145
59 How No Fault Auto Insurance Works--or Doesn't youcomparequotes 16921
58 How to Get the Cheapest Car Insurance youcomparequotes 16829
57 Selecting a Car Insurance Company youcomparequotes 17531
56 Finding New Car Insurance Following Cancellation or Nonrenewal youcomparequotes 17138
55 Get the Best Car Insurance Rates Around youcomparequotes 17379
54 Factors That Affect Your Car Insurance Quotes youcomparequotes 16417
53 Child Safety Belts Keep Kids Safe youcomparequotes 17081
52 Speeding and Car Insurance Rates youcomparequotes 16783
51 Not At Fault Car Insurance & Accidents youcomparequotes 16921
50 State Auto Insurance Becoming Available youcomparequotes 17210
49 Auto Insurance Gap Narrowed by Insurance youcomparequotes 17654
48 Car Insurance & Roommates or Family Members youcomparequotes 17235
47 PIP and No-Fault Auto Insurance Reform youcomparequotes 16931
46 PIP and No-Fault Auto Insurance Reform youcomparequotes 16835
45 SUVs: Minor Collision, Major Damage youcomparequotes 17387
44 Severe Weather Driving Tips youcomparequotes 17157
43 Avoiding Aggressive Drivers youcomparequotes 18017
42 Safety Tips & Car Insurance for Teens youcomparequotes 17081
41 Insurance for Cars: It's Your Choice youcomparequotes 17039
40 Car Insurance Quotes Save You Money youcomparequotes 17100
39 Finding & Comparing Auto Insurance Specialists youcomparequotes 17960
38 Safety Features Save Lives & Money youcomparequotes 16859
37 Curbing Auto Insurance Prices youcomparequotes 16399
36 Teen Auto Insurance youcomparequotes 16683
35 Car Insurance: Your Questions Answered youcomparequotes 16734
34 How to Buy Car Insurance youcomparequotes 17367
33 Vehicle Insurance: Covering Any Kind of Car youcomparequotes 16646
32 Truck Insurance for Your Pride & Joy youcomparequotes 16440
31 How Insuring a Used Car Can Save You Money youcomparequotes 17291
30 All-in-One Policies Insure Car & Home Together youcomparequotes 17181
29 Credit Scores & Car Insurance youcomparequotes 17790
28 Classic Car Insurance Protects Your Relic Ride youcomparequotes 16304
27 Reducing SUV Insurance Rates youcomparequotes 16822
26 Good Driver Car Insurance Rewards Safe Driving youcomparequotes 17339
25 How to File an Auto Insurance Claim youcomparequotes 16975
24 Avoiding Deer Collisions While Driving youcomparequotes 17445
23 Cheap Auto Insurance through Safe Driving youcomparequotes 16795
22 Auto Insurance Basics That Save youcomparequotes 17202
21 It's Official - Men Are Terrible Drivers youcomparequotes 18688
20 Car Insurance Quote Saves Money and Stretches Income youcomparequotes 17453
19 Auto Insurance Quote Heavily Dependent on Driver Behavior youcomparequotes 16978
18 Car Insurance Quotes Separate Fact from Fiction youcomparequotes 17238
17 How What You Drive Affects Your Auto Insurance Quotes youcomparequotes 17008
16 Cheaper Car Insurance in 8 Easy Steps youcomparequotes 17362
15 Save Hundreds on Your Car Insurance Without Switching to Geico youcomparequotes 16851
14 Your Options in Motorcycle Insurance youcomparequotes 16826
13 The Advantages of RV Insurance youcomparequotes 17201
12 Enjoying the Classics: How to Insure Your Old Relic youcomparequotes 34695
» Insuring Your Teen Driver youcomparequotes 16959
10 The SR22 & Car Insurance youcomparequotes 16455
9 Auto Insurance & Generic Parts youcomparequotes 17164
8 A Trip Gone Wrong: Summer Breakdown on the Road youcomparequotes 18286
7 Drowsy Drivers, Wake Up! youcomparequotes 16463
6 Cheap Car Insurance Protection You Deserve youcomparequotes 17821
5 Top 8 Safety Picks for Car Insurance Discounts youcomparequotes 17267
4 Drivers: 7 Important Facts about Texting That Could Save Your Life youcomparequotes 21339
3 Buckles: Use Them for Safety, Not for Show youcomparequotes 16768
2 Auto Insurance Quotes youcomparequotes 17228
1 Why You Should Give Thanks -- And Stay Home This Year youcomparequotes 17426
XE Login