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Insurance for Teenage Drivers: The Facts

Protection for You and Your New Drivers

Families with teen drivers have special insurance needs. Whether you obtain your automobile insurance policy through Warner and Company Insurance or not, one thing is very important: in the excitement of adding an additional driver to your household, don’t forget to notify your insurance agent that there’s a new teenage driver in your house.

Statistics show that teenage drivers have more accidents than any other age groups. Sadly, the accidents tend to be more severe and involve more injuries. These facts are reflected in higher insurance rates. Additionally, boys statistically have more accidents than girls, and the rates also reflect this.

Contact us for more information on adding teenage drivers to your insurance policy, and reviews these ways to keep the increased cost to a minimum, courtesy of the Independent Insurance Agents of America:

  • Insure your teenager(s) on your own policy. It is generally cheaper to add your teenager(s) to your insurance policy than for them to purchase their own.
  • Encourage them to get good grades. Most companies give discounts for getting at least a “B” average or being in the top 20% of the class. 
  • Encourage them to take Drivers’ Training and/or Behind the Wheel driving courses. Most companies will give discounts for completion of one or both of these courses. 
  • Pick a safe car. The type of car your teen will be driving will dramatically affect the price of insurance. 
  • Talk to them about the dangers of combining driving with alcohol, lack of sleep and distractions. Accidents occur each year because a teen driver was using a cell phone, playing the radio or talking to friends in the backseat. Insurance rates will eventually drop if they have a good driving record.
  • Be a good role model. New drivers learn by example, so if you drive recklessly or speed, your teenage driver may copy you. Always wear your seatbelt and never drink and drive. 
  • Institute your own version of a graduated drivers licensing program. A number of states have reduced teen accidents by restricting the amount of time new drivers may be on the road without supervision. If your state doesn't have such a program, you may institute this same policy with your teenagers.
  • Practice, practice, practice. The more your teen practices driving under a learner’s permit before obtaining his/her driver’s license, the better. Take him/her out to safely practice under all the conditions he/she will be driving under on his/her own – don’t forget wet, icy, and snow-packed roads and varying light conditions.