Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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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 Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 16, 2020

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Young Drivers

Many parents dread that day when their kids reach that great milestone and their auto insurance rates skyrocket: the sixteenth birthday (15th in Louisiana). Once upon a time, that was when our baby girls were allowed to date, but nowadays, it’s that time when parents must educate their teens on driver safety

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Nowadays, most of them start dating a lot earlier than that, but they still have to wait for sweet sixteen to obtain the pinnacle of a teenager’s life: their driver’s license. If you’re anything like most parents, one of the first things you notice is that your car insurance quotes have gone through the roof.

We all want to provide the best things for our kids, of course. And as they become old enough, as long as they are responsible, one of those things is a set of wheels. Having a car (or at least access to one) affords a teenager a taste of freedom which is important for them as they get ready to embark on adulthood in a few short years.

Still, unless you happen to be independently wealthy, allowing your teen to touch the keys can be an expensive proposition. While we can’t change that, we can offer a few suggestions to help minimize the impact of your teenager’s new ticket to freedom:

Young Drivers

Buy a Four Door Car if You Haven’t Already

We know, nothing says uncool like a sedan. Trust us, your kids will whine and plead for a cooler car. Resist them at all costs. Teenagers should not be allowed to sit behind the wheel of anything with two doors until they turn 25 and/or are on their own getting their own car insurance quotes.

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Make Sure Your Car Has a Good Safety Rating

This is important for obvious reasons, beyond the fact that it will save you a few bucks with your auto insurance company.

Young Drivers

Make Firm Rules About Using the Car

Make it abundantly clear to your kids that one ticket will indeed be the end of the world, at least as far as their driving privileges are concerned. Make firm rules regarding cell phone use, radio volume, and how many/which friends are allowed in the car.

Add Your Kids to Your Insurance

Trust us on this one. This is not an area to try to skimp and pull the wool over your auto insurance agent’s eyes. The last thing you want on top of having your car totaled is an insurance adjuster who doesn’t want to pay out on a claim because you lied on the forms to save a few bucks.

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Save Money on Your Auto Insurance!

Do the right thing by your young driver AND your wallet.  Get the best auto insurance rates you can by entering your ZIP code in on this page – start saving money today!