For parents of new drivers
Your teen just got their license. Your insurance bill is about to double.
Teen Driver is an independent resource for families insuring a teen or youthful driver. We show you what the increase actually looks like, every discount worth asking for, and how much coverage it takes to keep one bad afternoon from costing you your savings.
Free review with a licensed independent agent who specializes in households with new drivers. No obligation.
What we help families get right
Cheapest is not the goal. Protected is.
A minimum-limits policy is the most expensive mistake a family can make. A teen at fault in a serious accident can generate a claim that outruns state minimums in seconds, and the difference comes out of your home equity and future wages. We start with what you have to lose and work backward.
Every discount, actually applied.
Good student, driver training, telematics, student-away-at-school, multi-policy, and vehicle assignment strategy. Most families are eligible for several of these and have never been asked about half of them.
The right carrier matters more than the right quote.
Carriers price teen drivers very differently, and the one that was cheapest before your teen got a license is frequently not the one that is cheapest after. An independent agent can compare across carriers in a single sitting.
Start here
What a teen driver really costs
Real numbers by age, state, and vehicle — and what moves them.
The teen driver discount checklist
Every discount to ask for, with the eligibility rules spelled out.
How much coverage you actually need
Liability limits, UM/UIM, and when an umbrella policy is worth it.
Adding a teen to your policy
Permit vs. license, timing, vehicle assignment, and paperwork.
Best first cars for insurance
The safety and cost-to-insure tradeoffs behind the car you pick.
Rules and rates by state
Graduated licensing laws, minimum limits, and typical costs.
Teen driver insurance questions, answered
How much does it cost to add a teenager to your car insurance?
Adding a teen driver typically increases a family auto policy by 50% to 150%, with most families seeing an increase of roughly $1,500 to $3,000 per year. The exact amount depends on your state, the teen’s age and gender, the vehicle they drive, and which discounts the household qualifies for.
Is it cheaper to add a teen to your policy or get them their own?
For nearly every family it is cheaper to add a teen to the parents’ existing policy. A teen on their own policy pays the full high-risk rate with no multi-car, multi-policy, or household discounts applied.
When do I have to add my teen to my insurance?
Most carriers require you to add a teen once they receive a driver’s license. While they hold only a learner’s permit, most insurers cover them automatically under a licensed parent’s policy at no extra cost, but rules vary by carrier and state, so confirm with your agent.
What discounts are available for teen drivers?
The most valuable are the good student discount (typically 10-25% for a B average or better), driver training and defensive driving course discounts, telematics or safe-driving monitoring programs, and the student-away-at-school discount for teens attending college more than 100 miles from home without a car.
How much liability coverage should a family with a teen driver carry?
State minimum limits are almost never adequate once a teen is driving. Most families with meaningful assets should carry at least 100/300/100 liability, and adding a $1 million umbrella policy is often inexpensive relative to the protection it provides.
Talk to an agent who does this every day
Tell us about your driver and your household. We will connect you with a licensed independent agent in your area who specializes in families with teen drivers — someone who will maximize your discounts without quietly stripping your coverage to do it.