How to save on car insurance for teens

   How to save on car insurance for teens

   Good student: B average or better? Your young driver may earn about a 10%††Read the associated disclosure for this claim. discount in most states for good grades.

• Multi-car: If your teenager has their own vehicle, we'll chip in another discount just for having more than one vehicle on your policy.
• Teen driver: If your child driver is 18 years old or younger and you have been consistently insured for at least 12 months, we'll add a discount.
• Snapshot®: Our Snapshot® program rewards good drivers based on how they drive.†Read the associated disclosure for this claim. Plus, our mobile app can reveal if your teen was driving distracted. Learn more about distracted driving.

You can save on car insurance in other ways too. For example, you could:

• Lower your coverage: Removing coverages you no longer need is an easy way to save.
• Increase your deductible: Increasing your comprehensive and collision deductible will increase your out-of-pocket expenses for a claim, but it will reduce your rate.

Do I have to add my teenage driver to my insurance?

A teenage driver must have car insurance in almost every state, so they can either be added to your policy or insured with a separate policy. Buying a standalone policy for a teenager can be expensive due to their lack of driving experience and a higher likelihood of accidents, so it's usually more affordable to add a young driver to your existing policy.
By adding your teen to your policy, they could benefit from the savings and rate you've earned as a longtime driver with (in most states) an established credit history. Here are a few more reasons why it's usually best to add a young adult driver to your car insurance policy:

1. Control
   Since you already own the policy, you can easily add and update coverages to make sure your teen driver has the right protection.
   
   
2. Flexibility
   If your household has multiple vehicles, your teenager will be insured to drive all of them.
   
   
3. Convenience
   You'll only have to manage one policy.
   
   

How much does it cost to add a teenage driver to my insurance?

It's generally cheaper to add a teen driver to an existing insurance policy rather than buy a separate policy for them. That's because putting a teen driver on their own policy means they don't benefit from the comparatively lower rate you've earned as a more experienced driver.

Car insurance for teens

​Getting car insurance for a young driver can be pricey due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's more affordable to add your licensed or permitted teenage driver to your existing auto insurance policy. Your policy's coverages and limits will extend to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver.

How much is car insurance for teens?

A separate car insurance policy for teen drivers can be expensive because they have a greater tendency to drive distracted, speed, tailgate, and not wear a seatbelt. The average cost of teen car insurance, however, will vary based on the exact age of the driver, their ZIP code, driving history, and vehicle type. You can find cheap car insurance that covers the essentials and fits your budget. Discover the factors that impact car insurance rates.

EXAMPLE:A car insurance policy for a 16-year-old driver who just received their license will likely be more expensive than a policy for an 18-year-old with more driving experience. As teens get older, their rates can go down due to the added driving experience, especially if they have a clean driving record over time.

How to save on car insurance for teens
You can lower the cost of car insurance with discounts for students and teen drivers.

Read the associated disclosure for this claim. At Progressive, we offer a variety of discounts for teens including:

• Good student: B average or better? Your young driver may earn about a 10%††Read the associated disclosure for this claim. discount in most states for good grades.
• Multi-car: If your teenager has their own vehicle, we'll chip in another discount just for having more than one vehicle on your policy.
• Teen driver: If your child driver is 18 years old or younger and you have been consistently insured for at least 12 months, we'll add a discount.
• Snapshot®: Our Snapshot® program rewards good drivers based on how they drive.†Read the associated disclosure for this claim. Plus, our mobile app can reveal if your teen was driving distracted. Learn more about distracted driving.

You can save on car insurance in other ways too. For example, you could:

• Lower your coverage: Removing coverages you no longer need is an easy way to save.
• Increase your deductible: Increasing your comprehensive and collision deductible will increase your out-of-pocket expenses for a claim, but it will reduce your rate.

Learn more ways to lower your car insurance rate.

Do I have to add my teenage driver to my insurance?

A teenage driver must have car insurance in almost every state, so they can either be added to your policy or insured with a separate policy. Buying a standalone policy for a teenager can be expensive due to their lack of driving experience and a higher likelihood of accidents, so it's usually more affordable to add a young driver to your existing policy.
By adding your teen to your policy, they could benefit from the savings and rate you've earned as a longtime driver with (in most states) an established credit history. Here are a few more reasons why it's usually best to add a young adult driver to your car insurance policy:

1. Control
   Since you already own the policy, you can easily add and update coverages to make sure your teen driver has the right protection.
   
   
2. Flexibility
   If your household has multiple vehicles, your teenager will be insured to drive all of them.
   
   
3. Convenience
   You'll only have to manage one policy.
   
   

How much does it cost to add a teenage driver to my insurance?

It's generally cheaper to add a teen driver to an existing insurance policy rather than buy a separate policy for them. That's because putting a teen driver on their own policy means they don't benefit from the comparatively lower rate you've earned as a more experienced driver.

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