ADDING A TEEN DRIVER TO YOUR POLICY
Adding a teenage driver raises an auto premium at every insurance company, because a newly licensed driver has no record to rate. How much it rises varies widely between insurance companies, so this is one of the situations where shopping the policy is worth more than any single discount.
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It will raise the premium. How much depends on the insurance company, and they disagree about this more than about almost anything else. We shop. You choose. You see that spread side by side.
TEEN DRIVER AT A-MAX
A new driver in the household is repriced rather than surcharged: the insurance company rewrites the policy with an inexperienced driver on it. Because there is no claims history, the increase is driven by age, license date, the car they will drive and where you live, and different insurance companies weigh those four very differently from each other.
The two things that reliably reduce it are which car the teen is assigned to and what discounts they qualify for. Good-student and driver-training discounts are real and are frequently not applied unless somebody asks for them, which is a good reason to have this conversation with a person rather than a form.
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“A big help with my first car”
Thank you, A-MAX! Amazing service! They helped me find the best insurance plan for my first car. I’m a young adult trying to be financially responsible and this was a big help. I’m so immensely grateful for this, thank you so much!
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THE THINGS PEOPLE ACTUALLY ASK US
Once they are licensed and driving your car. A licensed driver in the household who is not on the policy is the classic reason a claim gets denied, so tell the insurance company rather than waiting to see what happens.
Usually not, and most insurance companies cover a permit holder driving with a licensed adult without a separate charge. Confirm it with your insurance company rather than assuming; the rule is not universal.
It depends on the insurance company, your teen’s age, the car they are assigned to and where you live, and there is no standard amount. The increase varies so much between insurance companies that comparing them usually matters more than any one discount.
Good-student and driver-training discounts are the common ones, and most insurance companies offer at least one. They are often not applied unless you ask, so bring the report card and the course certificate.
Sometimes, particularly if they own the car. Usually not, because household policies get multi-car and multi-driver credits a standalone one does not. Ask us to price it both ways.
PEOPLE LOOKING AT TEEN DRIVER USUALLY LOOK AT AUTO, SR-22 AND ROADSIDE TOO
About this page
Reviewed by a licensed A-MAX insurance professional. A-MAX Insurance Services, Inc. is an independent agency and has been writing this line since 2002.
Last updated 2026-08-12
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