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November 8, 2022

Insuring a Teen Driver

If your teen is nearing driving age, you may be wondering about the cost of adding them to your auto insurance policy. On average, annual premiums increase with a new teen driver, but adding a teen to your existing policy will be cheaper than having them purchase a policy in their name.  

How Much Does It Cost to Insure a Teen Driver? 
Teenage drivers are inexperienced. As a result, they’re more likely to get into accidents. This increased risk translates into higher costs, which may not come down until your teen is in their 20s.  Girl with dad in car

Fortunately, there are several things you can do to reduce the cost of premium increases, including the following tips: 

  • Choose the right car for your teen. Used cars are often less expensive to insure than newer vehicles. The type of vehicle can also affect your rates. Sedans, minivans and SUVs generally have the best rates for teen drivers. 
  • Enroll your teen in a safe driving course to teach them the rules of the road and other safe driving strategies. In Texas, teens who successfully complete driving safety courses may be eligible for discounted rates.  
  • Consider having your teen postpone getting their license until they’re a few years older. Younger drivers typically have higher car insurance costs than older drivers. Therefore, if a driver’s license is not a necessity, you may want to consider asking your teen to wait before getting their license.  
  • Raise your collision deductible to help you save on monthly premiums. But remember that doing so will increase your out-of-pocket costs if there is an accident. 
  • Talk through clear safety expectations with your teen to ensure they understand the importance of safe driving habits, particularly when it comes to obeying traffic laws and never texting and driving. 
  • Search for discount programs that can reduce the cost of premiums (e.g., good student discounts, low mileage plans, family plans). You may also be able to lower insurance costs by signing your teen up for programs that will monitor them for safe driving behaviors.  

How Much Insurance Do I Need? 
Texas is an at-fault state. This means that drivers, regardless of age, can be held responsible for the cost of injuries (e.g., medical bills) and property damage they cause in a car accident. Call Crossland Coverage to learn about the minimum coverage requirements in Texas. 

Contact Us Today 
At Crossland Coverage, we understand that your teen’s safety is the highest priority. Contact us today to learn more about our high-quality coverage solutions and to get a free quote.  

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information. 

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