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 us  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.