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Home » What to Know About Auto Insurance for Young Drivers
May 19, 2021

What to Know About Auto Insurance for Young Drivers

New drivers face a lot of uncertainty when it comes to slipping behind the wheel of their first car. Auto insurance is crucial at this time, as the likelihood of an accident are at an all-time high. Car insurance premiums and rules can vary depending on the driver’s age and experience. Knowing these facts can help you find the right policy and save money on coverage. girl sitting in car holding up car keys smiling at camera

Why is Auto Insurance More Expensive for Young Drivers? 

Young drivers will typically cost more to insure because they’re likelier to get into an accident. Driving often comes with a lot of trial and error, and insurance companies want to account for that. Crash rates are at their highest during the first year of driving. Young adults between 16 and 24 years old also have the lowest rate of seatbelt usage. Drivers between 16 and 17 have a crash rate of 4.5 times that of drivers ages 30-59. 

Should I Add My Teen to My Policy? 
Depending on personal preference and financial situation, you can put your teen on your own auto insurance policy. This will likely make your policy much more expensive. If your young driver is old enough and can afford to pay their own insurance, having their own policy is a good way for your teen to build up credit. Then again, as the parent you are still responsible for their actions and accidents if they’re younger than 18. If your child gets in a wreck, you can still be sued on behalf of your child’s actions and your own auto insurance policy may not cover it. It can also be expensive to have your child even on a separate policy. 

Are There Auto Insurance Discounts for Young Drivers? 
Most insurance companies offer ways to make young driver’s insurance cheaper. These may include: 

  • Good driver discount: A good driver discount typically applies after five years of clean driving without accidents or traffic violations. 

  • Good student discount: A good student discount considers your student’s grades in school as a show of responsibility. 

  • Defensive driving course: If your teen takes a defensive driving course, they may be able to lower their insurance rates and prevent a crash or traffic violation from going on their record, which may have affected their insurance rates.


Every policy is different because every driver and their vehicle are different. Speak with an insurance agent about auto insurance for yourself or your young driver. 

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