2024-01-01 · auto, personal, teens, young-drivers

Best Auto Insurance for Teens and Young Drivers

Overview

Teen and young drivers face higher premiums due to limited driving history. The best policies combine solid liability protection, safe-driver incentives, and discounts for students or driver training.

Key features to look for

• Good student discounts for strong grades.
• Driver training savings for approved courses.
• Telematics programs that reward safe driving habits.
• Accident forgiveness to protect rates after a first incident.

Strategies to lower costs

1. Add teens to a family policy instead of buying a separate plan.
2. Choose a safe, modest vehicle with low repair costs.
3. Increase deductibles if the family budget allows.
4. Limit annual mileage to qualify for low-mileage discounts.

Coverage recommendations

• Higher liability limits to protect parents and assets.
• Collision and comprehensive for newer cars or financed vehicles.
• Medical payments/PIP for added injury protection.

Tips for parents

• Set clear driving rules to avoid violations.
• Review policy updates after moving, changing schools, or buying a new car.
• Re-shop annually as experience improves pricing tiers.

Frequently asked questions

Is it cheaper for teens to have their own policy? Typically no. Adding them to a family policy is usually less expensive.

Do good grades really matter? Yes. Many insurers offer meaningful discounts for B averages or higher.