How to Request Online Teen Auto Insurance Quotes

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Things to Remember...
  • Typically across-the-board insurance providers consider teenage drivers to be serious threats
  • Insurance companies depend upon national statistics that show teenagers suffer a higher incidence of vehicle accidents and death than the overall population
  •  There are ways that you can save money and be able to afford the inevitable rate increase when needing to cover your teenage driver
  • Developing safe driving habits with your teenage child will not only result in a greater peace of mind every time they get behind the wheel, but eventually will result in lower premiums


There is no teenager alive that doesn’t anticipate that welcomed day of independence getting behind the controls of an automobile.

Their world definitely becomes much larger once they have the steering wheel in their hands, as well as their driver’s license in pocket.

Insert your ZIP code into our FREE search tool on this page to find the best deals for insuring your teenage driver!

Unfortunately, insurance providers know all too well that this teenage approach to driving creates such anticipation that often compels young drivers to take risks that their more experienced counterparts do not.

Therefore, typically across-the-board insurance providers consider teenage drivers to be serious threats.

This can lead to extremely high insurance rates when parents look to add this new driver to a family policy.

Save Money When Insuring Your Teenage Driver

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Almost every car insurance company considers drivers under the age of 25 as higher risks than others.

Insurance companies depend on national statistics that show teenagers suffer a higher incidence of vehicle accidents and death than the overall population.

The higher premiums that the insurance companies demand when adding a new teenage driver can make a parent’s policy rates climb anywhere from 50 to 100 percent according to the Insurance Information Institute.

However, it is not quite necessary yet to hide the car keys from your teenage driver.

 There are ways that you can save money and be able to afford the inevitable rate increase when needing to cover your teenage driver.

The guidelines that your teenage driver must follow to accomplish finding affordable rates including:

  • Maintain a good driving record  Even receiving one infraction on a teenager’s driving record may cause a rate increase of a few hundred dollars.
  • Serious convictions  such as a DWI may cost in the thousands of dollars and will remain in effect for at least three years.
  • Stay in school Many insurance companies tend to offer money-saving discounts for teenage drivers that attend school full-time, high school, and/or college, maintaining at least a 3.0 grade point average.
  • Take Driver’s Ed – Enroll in an accredited or state certified driver’s education program sometimes offered through the school attended. Ask your specific insurance agent about discounts extended to young drivers that have successfully completed such a course. Go online to find information about insurance companies offering these discounts at the National Safety Council.
  • Get involved with a group young people that belong to civic-minded community groups such as the Boy or Girl Scouts often receive premium discounts from providers. Insurance companies believe that young people involved in extracurricular activities such as civic groups are the least risky teenage drivers and are rewarded for their volunteerism receiving lower car insurance premiums.
  • Choose a car wisely often the premium charged for a teenage driver can be up to 50 percent less when operating cars considered safe by the industry such as a Honda Civic, for example.

Also, cars equipped with the latest safety features such as antilock brakes, airbags, automatic seat belts and other safety devices can also result in lower car insurance rates for teenagers.

Another option is to put off getting the license. Perhaps a teenager can be convinced to put off getting a driver’s license until age 18 or 19 when rates will be a little more favorable.

Finally, always inform your insurance agent if your teenage child is away at college and is not driving a car.

However, the adverse is true, too, since you must inform your insurance agent if your child is driving your family vehicle when home on school break or summer vacation.

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Teach Your Children Driving Safety

Since statistics point out that more young people between the ages of 15 and 20 die from car crashes as opposed to other reasons, insurance providers typically always quote higher premiums for teenage drivers.

However, one of the best ways to help cut down on the notion of a risky teenage driver is to always teach your child proper driving safety.

This starts with the adult driver setting a good example.

If the parent has a poor driving record riddled with moving violations and accident experience, adding a teenage driver to the family policy will result in an increase to premiums that are already high.

There are certain things that parents must take into consideration when it comes to teaching children proper driving safety including knowing local state laws and how compliance to these laws helps keep insurance premiums in line.

Since many parents find it difficult to easily teach their offspring, always consider having your teenage driver participate in an accredited driver-licensing program.

Always create a set of driving rules for your teenager.

They should include emphatically telling them when they can drive, where they can drive, and what passengers they can have traveling with them.

Find out about any type of electronic tracking devices that monitor how one where your teenager drives looking to see if these will have an effect upon receiving a lower premium quote.

Developing safe driving habits with your teenage child will not only result in a greater peace of mind every time they get behind the wheel, but eventually will result in lower premiums.

Helpful Tips for Your Driving Teenager

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Always insist that your teenage driver practices common sense driving tips that include:

  • Limiting the number of passengers Statistics point to the fact that when there are more teenagers in the car, the likelihood of accidents increases. The risk is actually three times greater than if a teenager is driving alone.
  • Emphasize slow driving speeds It is important your teenage driver realizes that one of the contributing factors to higher insurance quotes is the fact that teens consistently admit to speeding, a typical cause of car crashes among young people.
  • Emphasize the use of seat belts Again statistics point out that about two-thirds of teenagers that do die in car crashes were not wearing seat belts. Cars equipped with automatic seat belts may have an effect upon the cost of insuring your teenage driver when looking for insurance quotes. This will result in lower insurance quotes.
  • Encourage your teenage driver to speak up it is also very important for your teenage driver when riding in somebody else’s vehicle to point out if that person is driving recklessly and endangering everybody who was riding in the car. If this person does not change their driving style, it is important to not ride with such an individual.
  • Never drive under the influence nationwide statistics point out that 25 percent of teenage drivers that are killed in car crashes were intoxicated. This is another factor that leads to higher insurance quotes for teenage drivers.

But, teenagers that follow proper driver safety guidelines can affect the cost of insurance coverage. Teenagers need to know that driving is a privilege, not a right.

Parents need to lay down effective and strong driving rules before allowing a teenage driver to get behind the wheel.

Since most of any premium increases placed on a family policy are the results from adding a teenage driver, parents need to take an active role providing not only the proper driving example but also the proper parenting control.

Recession and Fewer Teenage Insurance Quotes

The recent recession has caused an actual decrease in auto insurance quotes for adding teenage drivers to a family policy. This has led to less revenue for insurance companies that are now positioning themselves to be more competitive in this particular market.

Thousands of households across the nation are struggling to make ends meet. Therefore, parents are looking to cut back on all types of costs including insurance premiums.

Typically, according to Trafficsafety.org, it costs about $3,100 per year to have a teenage driver insured.

Whenever a parent seeks an insurance quote, they typically find out that their policy will increase by 50 to 100 percent when adding a teenage driver.

This has resulted in one in seven parents in the nation delaying that special day of independence each teenagers looking for to get behind the wheel of their parents’ car.

It Is Important To Always Compare Premium Rates

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It is always important for parents to do what their teenage children to drive once reaching the appropriate age to compare quotes. Always look to receive quotes from reputable companies since these experienced providers will typically compete for your business.

This is especially true if parents, and your children as potential drivers, have done everything possible to ensure that the new teenage driver will operate safely.

Comparison searches will always offer variable information including companies presenting special discounts for households with multiple cars.

There are discounts available for other areas such as newer vehicles equipped with up-to-date safety features and economical cars considered to be safe.

A parents’ good driving record may provide a lower blanket policy premium to offset any increases realized when adding a teenage driver to the mix.

Find affordable rates when looking to protect your teenage driver by clicking here to enter your ZIP code into our FREE search tool!

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