teen driver insurance basics

Whether you're a parent looking to cover a teen driver or a teen driver yourself, you'll find answers to some essential questions here.

should teen drivers get their own policies or go on their parents’ existing policy?

In short, it's up to you. Adding them could increase your rates since less experienced drivers often cost more to insure. But on the flipside, you could also get discounts for good grades and for having multiple cars on a policy.

In most cases, having your teenager on your policy's the most cost-effective route. But if you find that a separate policy jibes better with your needs, then by all means.

when should i add my teen to my insurance policy?

Many insurers require all licensed drivers in your household to have some form of car insurance. Which means you'll likely need to add your teen to your policy or buy a separate policy the moment they're licensed to drive.

do teens with a learners permit need car insurance?

Most states don't require drivers with learners permits to be individually covered. So your policy will likely protect your young driver until they're licensed. That said, always check with your insurer.

why does car insurance for teen drivers cost more?

New drivers, especially young drivers, have higher insurance rates for 2 reasons: inexperience behind the wheel and immaturity. Just like anyone attempting to master a new skill, teen drivers tend to make more mistakes and take more risks than experienced drivers. And, of course, more risk means higher insurance rates.

insure your teen driver today

If you're already an Esurance customer, you can add your teen driver to your policy anytime by logging in here. Or start a fast, free car insurance quote to make sure your teen driver is fully protected.

DriveSense® mobile for teen drivers

Our DriveSense® mobile app can help you keep tabs on how your teen's driving. And help them avoid risky or unsafe driving. You don't have to be an Esurance customer to use it. But if you are, you could save up to 8% on the rest of your policy term — just for enrolling! And the safer you and your teen drive, the more you could save for each term after.