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What You Need to Know About Teen Driver Insurance
Introducing a teen driver can significantly impact your auto policy—and your peace of mind. At Advisors, we specialize in guiding families through every step: understanding coverage needs, managing premium changes, and keeping your household protected as your teen gains experience behind the wheel.
Getting the Coverage Right Matters
Adding a teen driver creates new insurance considerations: when to add them, how much rates will change, and whether separate or family policies make sense. Insurance companies typically impose premium increases in the 40% range when a teen is added, with even higher rates if they also need a separate vehicle. Advisors helps make the choice clear and cost-effective, while also identifying education-based discounts and strategies to soften the premium impact.
Mandatory Coverages
The essential protections every parent of a teen driver needs.
Bodily injury and property damage are required by state law and key to protecting your assets.
This coverage is especially important if the teen is using a newer vehicle.
This type of coverage is an essential safeguard in case the other driver lacks proper coverage.
Add-Ons and Options
Customizable options to strengthen your protection.
Good student discounts and safety course credits can result in lower premiums.
Enrolling in usage-based programs can provide you savings by monitoring safe driving.
One way to decrease premiums while still ensuring sound coverage is to raise your deductible.
You’ve got questions, we’ve got answers. For any additional questions you may have beyond these, schedule a chat with our team.
Not always—but it’s strongly recommended. In South Carolina, adding a learner driver typically won’t raise your premium, yet it ensures coverage in case of an incident.
Adding your teen to your policy is almost always more affordable, offering access to discounts and avoiding rate increases tied to new policies.
Expect an approximate 40% premium increase upon adding them—rates often double if they also lease or purchase their own vehicle.
Frequent switches may cost more in the long run. Loyalty discounts matter, and maintaining consistency can help save money over time.
Insurance Pro Tips
Explore our expert advice on a range of important insurance topics.
Meet Alan Lachica
Alan embraces our team approach in providing customized, high-quality protection options for our clients.
