Best Teen Car Insurance Quotes

The best teen car insurance quotes are going to come with lots of discounts. Good grades in school and completion of driver's ed can save you up to 20%.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: May 8, 2020

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Here's what you need to know...

  • Parents should know the main points to look for when searching for insurance for their teen driver
  • A good insurance policy for teens will be flexible and offer several different discounts
  • Searching online can help parents find the best company to provide coverage for their teenager

Inevitably, your little boy or girl will soon be of driving age and ready to hit the road. For many parents, the thought of their child driving is both an exciting and stressful time.

However, before your son or daughter jumps into the car, there must be car insurance to cover the teenager and vehicle in the event of an accident.

Parents should look at a few key considerations before deciding on a company.

One simple way to compare auto insurance quotes is to enter your ZIP code into the FREE comparison tool above!


Many car insurance companies are wary about insuring a teenager since they have no previous driving record, and there is no way to gauge the risk of the teen’s driving habits.

As a result, companies will charge customers a high premium to cover the teenager. Consumers need to shop around for the best premium with some flexibility.

Flexibility comes in the form of deductibles. The teen’s parents can find reasonable rates from companies that allow you to alter the deductible’s amount; a higher deductible will mean lower monthly premiums.

Deductibles are the amount of money that consumers must pay themselves toward an accident before the insurance company begins to pay.

Before agreeing on a deductible amount, parents will need to evaluate their financial situation. A higher deductible places more risk in the hands of the parents, as opposed to the insurance company, so premiums should be relatively low.

You do not want to be in a situation where you cannot pay your car insurance deductible after an accident.

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Car Insurance Discounts

Parents should look for an insurance company that offers discounts. Applying discounts to a teen’s insurance policy will obviously lower premiums.

One main discount that can be applied is for a student who achieves good grades.

Insurance companies have found that teenagers with good grades are often more responsible behind the wheel.

The insurance company will normally ask for each semester’s report card to keep the discount current on the policy.

Another popular discount is attending and passing a driver’s course.

These safety courses provide the teenager with strategies for good driving habits, such as avoiding accidents by slowing down and keeping a safe distance from the car ahead.

Car Insurance Discounts for Safety Features

Parents should research each insurance company to see if the car insurance company offers discounts for vehicle safety features.

Modern technology has made it possible for a vehicle to be extremely safe with the additions of traction control, anti-lock brakes, and airbags.

As a result, vehicles outfitted with these features should have a lower premium.

Safety features lower the risk of injury to the passengers in the event of an accident.

Traction control and anti-lock brakes may prevent a serious collision. Air bags will stop the passengers from striking the car’s interior, which can cause serious injury.

Any features that prevent damage to the vehicle or passengers should lower the policy amount.

Tracking Devices

An insurance company cannot physically be in the car while the teen is driving, but a voluntary tracking device can help the insurer gauge the responsibility of the driver.

Parents looking for a deep discount on their teen’s premiums should choose an insurance company that offers tracking devices.

These electronic devices send out periodic data to the insurance company about driving habits, such as speed and frequency of car use, through radio and GPS technology.

This technology gives the insurance company a real life view of the teen’s driving habits; good drivers on a consistent basis will be rewarded with reduced premiums.

Additionally, parents can see what their teen is doing behind the wheel when they are not present. Both the parents and the insurance company will rest easier with real life data about the teen driver.

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Once parents decide on a policy, they should not simply pay the premiums and stay complacent.

In fact, parents should communicate with the insurance company about every six months to see if any changes have been implemented.

As a result, the parents will have the most up to date information for the best teen policy.

By comparison shopping, teens can have a reasonable car insurance rate with good behavior and safe driving. Enter your ZIP code below to receive car insurance quotes for FREE!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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