Am I Required to Have Auto Insurance on a Teenager?
FREE Car Insurance Comparison
Compare quotes from the top car insurance companies and save!
Secured with SHA-256 Encryption
UPDATED: Mar 13, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn't influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
Insurance Q&A: “Am I required to have auto insurance on a teenager?”
The teenage years are hard enough on a parent without having to worry about things like auto insurance.
You’ve got a lot to worry about, but one of the greatest financial concerns for all parents is the idea of their teen behind the wheel of an automobile, along with the astronomical price of auto insurance.
This leaves many wondering if they are required to buy auto insurance for their teenager.
The short answer is no, it’s not explicitly required by law to pay for car insurance for your teenager.
Specifically, you are not required to pay for auto insurance for your teen to drive a vehicle if they ARE NOT actually going to drive!
So from a legal standpoint, you do not need to pay for your teenager’s car insurance.
As far as the car insurance companies concerned, you have to acknowledge the fact that your teen is “of driving age” and decide if you want to insure them or put your money where your mouth is (with regard to your teen NOT driving) and add them to your policy and exclude them from coverage.
Most insurance policies require all members of a household above the age of 15 to be listed on the auto insurance policy, leaving you with two options.
Exclude your teenager from your auto insurance policy. This means your teen will be listed on the policy as someone who resides in the home and will not drive the vehicle(s) covered under the policy.
But don’t take the exclusion lightly. Your insurance company will deny a claim if your excluded teen “borrows” the car and gets into an accident. You could be out a car and in court getting sued personally for the damages. Be sure to have that discussion with any excluded teen drivers.
History tells us teenagers have a habit of being rebellious and breaking our rules…including rules about not driving your car. Your best bet is to cough up the money to insure your teen. Enter your zip code below to view companies that have cheap auto insurance rates. Secured with SHA-256 Encryption
Enter your zip code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Bite the bullet and list your teen as an eligible driver of the vehicle(s) on your car insurance policy.
Expect your insurance rates to increase tremendously when insuring a teen driver.
…And for the car to be low on gas (or empty) the next time you get into it.
It’s never easy to watch your teen drive off in the car for the first or even hundredth time, but it may help calm your nerves knowing you’re covered if they cause an accident.
How Can I Reduce the Costs of a Teen Driver?
There are many ways to reduce your new car insurance premium once you add your teen. The trick is to take advantage of the many discounts that may be available to you.
Insurers are constantly looking for reasons to lower car insurance premiums to keep you from switching insurance companies.
The key is qualifying for discounts that prove you (and your teen) have a smaller chance of getting into an accident than the next teenager.