Tips For Reducing Teenager Auto Insurance Rates

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember...

  • Teen drivers have high insurance rates because they are seen as high-risk drivers
  • Providing your teen with an older car can help lower their insurance rates
  • Find out about all available discounts for your teen such as a discount for good grades

Teenagers have a profound impact on those auto insurance rates of yours. There are ways to help keep those rates lower when that 16-year-old decides to start driving, though.

The following information can help or hurt your insurance rates:

  • Type of car
  • Age of your teen
  • Teen’s grades

Here are some tips to surviving the long haul of your teenager being on your auto insurance policy.

Get free online auto insurance quotes by typing your ZIP code now!

Younger Kids Get Older Cars


New cars are expensive on that auto insurance budget because of the coverage that has to be carried on that sleek new ride.

A brand new car might not be the best type of car for your new driver in the family.

The teenager might be asking for a fast sporty car, but in reality, they really need to be learning with an older sedan.

Older cars often need less coverage than newer cars. Getting a sedan also helps with that monthly auto insurance bill as sedans often come with the “not going to play speed racer” stigma.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Scholarly Rates Are a Win-Win Situation

Some auto insurance companies will give discounts for good grades.

Studies have found that students with good grades are often involved in fewer accidents and acquire few traffic violations.

Not only do you get the benefits of cheaper auto insurance, but you get a rocket scientist as a benefit.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

How Do You Define That Teenager?

How you define your teenager can have a drastic impact on your auto insurance. You might be asked if they are an occasional driver or the primary driver.

The answer to this question might mean the difference between steak or ramen noodles for dinner.

If they are defined as a hobby driver, the teenager might need to drive the family car. Your teenager might be on the constant go, but they don’t need to be the only driver amongst their friends.

Teach your kids the value of sharing the driving responsibilities.

Make Them Pay


Parents don’t have to take on the burden of everything their kids do. If your kid wants to drive, now might be the prime opportunity to start teaching them budgeting skills.

Make that kid pay some of your auto insurance bills, too.

Remember, you want them doing important things like learning in school and developing good money habits.

One of the most common practices is to make your kids pay the difference in auto insurance rates when you add them to your policies.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Take More Than Just Driver’s Education Courses

Driver’s education gave your teenager the basics they needed to get driving. However, it might be time for them to consider more education.

Defensive driving and road rage classes are available. Have your teenager successfully complete these types of courses and watch your auto insurance premiums return to your bank accounts.

Don’t let your teens suck your bank account dry with the auto insurance premiums as well.

Teach your kids good driving techniques on the road and enjoy that extra money in your pocket.

Enter your ZIP code in on this page to get started comparing free auto insurance rates and start saving some money!


Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption