Compare Teen Driver Car Insurance Rates [2023]
A teen driving is required to have car insurance and therefore has to be added to a parent's policy, as they do not have to have their own separate policy. Teen car insurance is $189/mo on average.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 16, 2023
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jun 16, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- A junior driver’s license is usually issued to drivers under the age of 18.
- Junior driver’s license holders are not required to have their own policies.
- A child carrying a junior driver’s license is required to be insured, and thus must be added to a parent’s policy.
If you’re the parent of a teenager just learning to drive, you may be wondering whether or not junior driver’s license holders need car insurance. You might also be wondering how much it will cost and whether or not you should require your child to contribute a portion of it. It is generally $189/mo.
If so, you’re not alone. Teaching our children to drive, and all the fears and questions that go along with that is a normal part of being a parent.
Enter your ZIP code into our FREE search tool to compare online car insurance quotes now!
Before answering the question of junior driver’s license holders and insurance, it is important to note that every state in the union but New Hampshire as of 2011, requires some form of car insurance coverage. Even according to New Hampshire car insurance laws, drivers are liable for any damages they cause.
Most states mandate that insurance is purchased from a company that is licensed to provide coverage in that state. However, there are a handful of states that allow drivers to be self-insured if they can prove they have the financial resources to cover the average claim.
What is considered a junior driver’s license?
Although regulations vary from one state to the next, a junior driver’s license is usually issued to drivers under the age of 18.
In states where kids can get their permits at age 15, and then their license at 16, individuals may drive up to two years with a junior license. A small number of states are a bit more restrictive, mandating the junior license until age 21.
In addition to the various restrictions placed on junior driver’s license holders, the need for car insurance is also a legal reality.
The only question in providing such insurance is who will pay for car insurance for a 16-year-old and through whose policy the junior driver will be covered.
In a culture that is seeing a steady increase in split families, the answers to these questions are becoming more and more important. You must know your car insurance options as a parent of a young driver.
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Do junior driver’s license holders need their own car insurance policies?
- Teenagers do not need to carry their own policy – At this time, it appears that no states require junior drivers license holders to have their own separate, distinct policies. Some states don’t even require that a child be covered under your auto insurance until age 21.
- Junior driver’s license holders must be insured – Most states only grant the liberty not being added to parent’s policy while a young driver still is operating on a learner’s permit. Once the teen earns their junior license they will need car insurance for young drivers. They can be covered by their parents.
- Parents who are separated or divorced are not exempt from ensuring their child is insured – In the case of a split household – where mother and father are either separated or divorced – the question of car insurance for a child if you are divorced can be a sticky issue.
Do you have to add a teenager to insurance? It is the responsibility of parents to seek the advice of their individual insurance companies, as well as the court system where appropriate, and then decide themselves the best way to provide insurance for their child.
Whatever they decide, the child must be covered by the insurance policy of one of his parents or an approved guardian.
What happens if I don’t add my child to my insurance policy?
In a legal sense, car insurance companies provide coverage for individual automobiles, but in a practical sense, this is not quite true.
The reality of car insurance is that coverage is provided for individual drivers and their individual cars. That’s why driving history and risk assessment are part of determining insurance rates.
If you fail to add your child to your insurance policy the provider may refuse to pay a claim incurred by the actions of that child.
As a further demonstration of how this works, consider what’s known in the industry as temporary car insurance. Temporary car insurance is purchased, among other reasons, to cover non-immediate family members, friends, or acquaintances who might borrow your car.
Insurance providers typically will not cover claims made by such drivers unless it can be documented they were operating your car on your behalf, doing something specifically for you. Car insurance for junior license holders works much the same way.
It is imperative that parents keep their car insurance companies informed of their teenage driver’s progress throughout the learning process. When a child earns his junior drivers license, car insurance becomes a must.
Be sure to inform your provider at that time and have your child added your policy.
How much does it cost to add a teenager to insurance? Fortunately, the cost is fairly inexpensive as long as the child remains in your home. Be sure to also inform your provider when the junior license is converted to a regular license; that will help bring the cost down as well.
What is the best insurance for a teenager? If you’re the parent of a junior driver’s license holder, start your search for better car insurance quotes by typing in your ZIP code now!
Frequently Asked Questions
What is teen driver car insurance?
Teen driver car insurance is auto insurance coverage specifically designed for teenage drivers who have recently obtained their driver’s license. It provides the necessary coverage to protect both the teen driver and the vehicle they are driving.
Why is car insurance more expensive for teen drivers?
Car insurance is typically more expensive for teen drivers due to their lack of driving experience and higher risk profile. Teenagers are statistically more likely to be involved in accidents, making them higher risk to insure. Insurance companies reflect this increased risk by charging higher premiums.
Are there any ways to reduce the cost of car insurance for teen drivers?
Yes, there are ways to reduce the cost of car insurance for teen drivers:
- Good student discounts: Many insurance providers offer discounts for teens who maintain good grades in school.
- Driver’s education courses: Completing a driver’s education course can often result in lower premiums.
- Adding the teen to a family policy: Adding the teen driver to a parent’s existing auto insurance policy can be more cost-effective than purchasing a separate policy.
What type of coverage should teen drivers have?
Teen drivers should have the same basic coverage as any other driver, including liability, comprehensive, collision, and uninsured/underinsured motorist coverage. However, it’s essential to assess the specific needs of the teen driver and the value of the vehicle being insured to determine the appropriate coverage limits.
Are there any restrictions or additional requirements for teen drivers?
In some states, there may be restrictions or additional requirements for teen drivers, such as curfews, limitations on the number of passengers, and completion of a certain number of supervised driving hours. It’s important to familiarize yourself with the laws and regulations specific to your state and ensure that the teen driver complies with these requirements.
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Enter your ZIP code below to view companies that have cheap car insurance rates.
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.