learning to drive is an exciting time for a teenager, but getting a great car insurance quote and the right discounts for new drivers can be a challenge. teens are more likely to have accidents, and higher insurance premiums reflect the additional risk.
fortunately, state farm® offers competitive rates on car insurance for teen drivers, with excellent service that meets the needs of teenagers, and their parents.
state farm also offers discounts to help reduce teen driver insurance costs, and safe driving tips to help keep them safe.
talk to an agent today or get an online car insurance quote .
add a teen driver to your car insurance policy
to add a teen driver to your auto insurance policy, contact your agent or log in to your account on statefarm.com®. if you don’t have a user id, register for online access.
unless you’re adding a vehicle too, your teen driver should probably be marked as a primary driver on one of the family vehicles.
help keep your teen driver safe
inexperience and immaturity can lead to risky driving, but here are things you can do to help make your teen safer on the road.
steer clear ® helps drivers under the age of 25 improve their driving skills, and possibly reduce their insurance costs, too.
help your teen develop safe driving habits with house rules that could reduce speeding and carelessness.
it’s not always a good idea for newly-licensed drivers to have their own cars. find out why, and what to do instead.
teenage car insurance discounts
state farm offers several discounts that may help teen drivers lower their car insurance costs. ask a state farm agent which discounts you, or your teen, might qualify for.
good student discount
you could save up to 25% if your teen driver gets good grades! the savings may last until your teen turns 25. your most recent report card might be the key to lowering your premium. homeschoolers may also qualify with other options, such as submitting evidence they have taken certain national standardized tests, administered within the last 12 months and ranked in the upper 20%. ask a state farm agent for requirement details.
driver training discount
you could qualify for a discount if all the operators of your vehicle under the age of 21 complete an approved driver education course. besides lowering your premium, studies have found that completing a driver’s education class can reduce crashes and tickets.
student away at school discount
if one of the operators of a covered vehicle is a student under the age of 25 who moves away to school and only uses the car while at home during school vacations and holidays, you could be eligible for this discount.
discounts based on safe driving habits
our steer clear1 and drive safe & save™2 programs could help lower your car insurance costs while teaching young motorists how to drive more safely.
- learn about steer clear
- learn about drive safe & save
other options to reduce young adult insurance premiums
if right for your situation, you can also reduce your premium by:
- • purchasing a safe car for your teenager
- • reducing or removing comprehensive / collision coverage if the teen’s car is low value
- • increasing the deductible on their coverage
do i have to add my teenager to my car insurance?
it’s neither a good idea nor legal for a teenager to drive a car without insurance. you can have your teenager get their own policy but it will likely be much higher than a rate they could have received if they had been added to a parent’s policy, and they will not be eligible for any multi-policy discounts.
a teen’s learner’s permit will likely have little impact on premiums because of the required adult supervision but it’s still important to inform your agent before a teen gets their preliminary permit.
it is also vital to talk to your state farm agent when a family member obtains a license in order to make sure the new driver is adequately covered. not ensuring proper coverage could lead to complications if the new driver has an accident and needs to file a claim. your agent can help provide options for your particular state so you can make the appropriate policy choices.
how much is teen car insurance?
the premium for young adult or teen car insurance is determined by a variety of factors that include your coverages, deductible, state you live in, car value, available discounts and several other considerations. to find out more, get a quote today or talk to a state farm agent.
simple insights® by state farm
take advantage of what we’ve learned through the years in simple insights.
1 steer clear safe driver discount auto insurance is not available in every state. for additional information, please contact your state farm agent. discounts and their availability may vary by state and eligibility requirements. not all vehicles or drivers are eligible for discounts.
2 drive safe & save availability and discounts may vary by state and coverages selected. in maryland, only mileage information is used in discount calculation. a discount may not be available in california and north carolina, depending on individual facts and circumstances.
various discounts do not apply in every state.
the information in this article was obtained from various sources not associated with state farm® (including state farm mutual automobile insurance company and its subsidiaries and affiliates). while we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. state farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third party sites that might be hyperlinked from this page. the information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. these suggestions are not a complete list of every loss control measure. state farm makes no guarantees of results from use of this information.
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