When to Add Your Teen Driver to Your Car Insurance
- Charlotte Burr
- Jul 29
- 2 min read
Teaching your kid to drive is a wonderful, somewhat nerve-wracking experience. That worry only increases when considering all the costs and requirements of adding a new driver to your insurance policy. You might worry about increased premiums and other potential costs and delay purchasing insurance for them.
Teen drivers should be added to your policy once they’re licensed, though.
The law requires that all drivers, even new ones, be insured. You also ought to get your teenager insurance for their protection. Young drivers are more likely to get into an accident. Insuring them from the get-go will make sure that any medical or repair costs, both yours and others’, are covered.
But isn’t that expensive?
While it is true that adding a teen driver to your insurance policy could cause your premiums to go up, this is true of any driver! One way to prevent this is to place your teenage driver on a separate insurance policy. But it’s cheaper to add a teen driver to an existing policy. A separate policy would cost roughly $7,367 per year. Adding a teen driver to your policy on average costs $3,262 for brand new drivers. That’s a $4000 difference! And those costs will only lower as your child becomes a more experienced driver
Most insurance companies also offer a plethora of discounts for young drivers. You can lower your costs if your new driver:
· Has good grades
· Is willing to take a defensive driving class
· Has taken driver’s ed
Different companies, and even different policies within the same company, will have different discounts. Let AZ Insurance Team find you the most affordable and high-quality insurance plan in Arizona, so that you can add your child to your insurance policy as quickly as possible.
How AZ Insurance Team Has Your Back
At AZ Insurance Team, we’ve been serving the Valley for over a decade, helping families and individuals protect what matters most. Whether it’s reviewing your home, auto, or life insurance, summer is the perfect time to make sure you’re covered before the celebrations begin. Reach out today to review your policy and see how much you could save. Peace of mind is just a call or click away.
Independent insurance brokerage located in Tempe, AZ. We offer auto insurance, homeowners insurance, life insurance, renters insurance, commercial insurance…
Disclaimer: Coverage will vary on state, insurance company, and type of policy
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