Car Insurance for a Teenage driver...help!

Updated on October 20, 2010
B.W. asks from Tarboro, NC
8 answers

I have a teen who has had her learners permit for a year and is of age to get her license now. She also took Driver's Ed in high school and passed with a solid "A". In other words....she has had countless supervised driving time and book study and she's ready for the roads. Can other parents of teen drivers give me some insight on car insurance for our teen when she is on her own with a legal drivers license? What companies are providing good coverage without costing me a fortune? Any certain things I should know about in advance to insure a teenage driver to keep costs down but have adequate coverage? The car she will be driving is paid off....we own it outright, it is safe, and in great condition (less than 60,000 miles on a 2000 Mitsubishi Galant SE). My husband and I think that giving her this car to drive for the first year is smart because it is paid off and if she were to have a fender-bender or accident, we know the car is safe and not a tiny tin can that might not protect her. It is also not a huge hot-rod that could entice a teen to want to push limits with speed if you know what I mean. Our teen is a National Honor Society student with a 3.90 cumulative GPA in high school. I'm hoping her good grades may help. Can any parents or even Insurance Agent Moms out there give me some guidance? She goes for the driver's test in 30 days so I need to get ready for this now. Thanks to all who can help!

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S.M.

answers from Atlanta on

I've been with Statefarm forever - since I learned to drive - and maybe I should shop around and see what else is out there but my agent really has been awesome, so I figure why bother. My son is 19 and I get the multi-line discount for having my home and my car covered, but we also get an additional discount because he did Driver's Ed, as well as the discount based on his maintaining a certain GPA. Statefarm also now has the SteerClear Teen Driver Awareness discount that he's in the process of applying for. Good luck!

S.Y.

answers from Sharon on

i would compare prices at different insurance companyies i am a teen driver and i got state farm insurance and pay 50 dollars a month

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C.W.

answers from Santa Barbara on

My daughter is 17 and drives a 2009 Jetta. It costs us nearly $950 for six months even with her good student discount and a low mileage policy (under 7500/year). We have State Farm and been happy with them though. We have pretty expensive rates because we are in California, have a $250 deductable and this is the only car insured (Dad and I both drive company cars where everything is paid for). It's awesome to have her drive....so helpful and easier for sports practices.

K.I.

answers from Seattle on

We just added our son to our policy...yes, it went up considerably and that sucked...but whataya gonna do?

The good grades should help, make sure to mention them...

We have all our insurance with one company, our house, our rental property and our cars, so that insured us some kind of discount...it didn't feel like much though!

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D.P.

answers from Pittsburgh on

Have you talked to your agent about adding her to your policy?

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M.M.

answers from Washington DC on

Call your insurance agent. Our's went up quite a bit with our son but his grades weren't that high. Daughters usually have lower premiums than sons, too. BOys just drive faster. Also she can get a discount for her grades and NHS.
My daughter gets her permit in VA next week.

F.H.

answers from Phoenix on

I own an insurance agency in AZ. Get a quote from your current agent. If that agent only works for State Farm, Farmers, etc, then find an "independent" agent in your area. These agents have contracts with many companies and can "shop" your insurance and see who has the best rate for your daughter. DO NOT have lower liability limits than 100/300/100 and ideally you should have higher. If you need help, contact me. Good luck!

P.L.

answers from Chicago on

Thanks for asking that question, I have two teenagers myself and was wondering ??? : )

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