Should You Add Your Teen To Your Car Insurance Policy?

If you’re the parent of a teen driver, your wallet is probably crying out in terror at the thought of adding your child to your car insurance policy. 

Before you break out into a cold sweat at the thought of another big expense, take a deep breath and consider all the factors involved. Here’s what you need to know about adding your teen driver to your car insurance policy.

We know that adding a teen driver to your insurance can be expensive

Car insurance rates are generally quite high for teenage drivers. This is because teens are considered to be high-risk drivers. They tend to take risks while driving, and they also lack the experience of older drivers.

As a result, car insurance companies charge higher rates for teenage drivers. However, there are a few things you can do to help offset the cost of car insurance for your teen. One option is to go with a carrier that offers safe driving discounts through telematics or phone apps. This might even bring down your overall car insurance premiums. 

If they are driving their own car and not driving your car, another option may be to get them their own policy. Ultimately, the best way to save money on car insurance for your teen is to shop around and compare rates from different car insurance companies.

Adding your teen driver to your car insurance policy will give you peace of mind 

Happy and Smiling Dad With His Teenage Girl Practice Safe Driving Together in Preparation for Her Drivers License Test

As a parent, you want to make sure your teen is safe behind the wheel. Adding them to your auto insurance, you can rest assured that your teen is covered in the event of an accident. In addition, car insurance can help to cover the cost of repairs if your teen damages your car. No parent wants to think about their child being involved in an accident, but it’s important to be prepared.

It’s better to be safe than sorry

If your teen is involved in an accident, having them covered by your car insurance policy can help to minimize the financial fallout. Without insurance, you could be on the hook for any damages they cause, as well as any medical bills. Even if your teen is a safe driver, accidents can happen. And if they’re not properly insured, you could face serious financial challenges.

While the cost of car insurance for a teen driver may be higher than you’d like, it’s still cheaper than the alternative. So if you’re thinking about adding your teen to your car insurance policy, do it sooner rather than later. If you need some help navigating all the different options for insuring your teen driver, schedule a call with our team or import your current policies for a full review using the links below!

We’re happy to talk to you about your options, even if you’re not a McBride Agency client (yet).


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Are you ready to save time, aggravation, and money? The team at The McBride Agency is here and ready to make the process as painless as possible. We look forward to meeting you!