The Ultimate Car Insurance Guide For Teens

So, your teen is about to become a licensed driver, and naturally, you’ve got a few questions and concerns. But fear not; Life360 is riding shotgun with you as you navigate this major family milestone.

Questions Parents Should Ask About Teen Car Insurance

This is the start of an ongoing convo about teen drivers, safe driving, and car insurance for families. To kick things off, we’ve rounded up great tips and resources for teens and parents, and we’ll address common questions like:

• Do you have to add your teen to your car insurance policy? And if so, when? Once they have their learner’s permit or only after they get their license?

• How will adding them to your policy affect your rates, and what discounts can save you the most now that your policy is changing?

• But wait: should you even add them to your policy? Or is it better to ask them to get their own policy? You’ve heard that it’s cheaper to simply add them, but is that always true?

• How do you keep your teen safe — not only from their own driving inexperience but also from the challenges of different driving conditions?

Do You Have to Add Your Teen to Your Car Insurance Policy?

The laws of each state on this issue vary. Generally, though, when your teen only has a learner’s permit, your insurer won’t add your teen to your policy, and your insurance rate won’t change.

Remember, too, that car insurance generally follows the car and not the driver or policyholder. Thus, your car remains covered when your teen drives it with their learner’s permit.

Your teenager is now licensed. (Congrats! Breathe!) Should you add them to your policy or ask them to get their own insurance?