Auto Insurance for Teens
With a teen driver in your family, it doesn't hurt to have a little luck on your side.
It also doesn't hurt to have information. As you prepare for this exciting milestone in your teen’s life, you’ve probably got a few questions about car insurance for teens. We’re here to help!
Why is it expensive to insure a teen?
It’s true, insuring a young driver is expensive and can make your family's insurance premiums go up. You’ll pay more because teens have less experience on the road and historical evidence shows they have higher accident rates. But there are ways to save.
COUNTRY Financial® offers several discounts for young drivers that could save you hundreds of dollars. (Availability and amount of discounts vary by state.)
Teen Driver Discount
Simply Drive®, our Teen Driver Discount, offers peace of mind AND savings for your family. Newly licensed drivers may qualify for up to a 10% discount by completing the Simply Drive course.
Driver Training Discounts
You could save up to 10% if your teen successfully complete a state-approved driver’s education course.
If your teen successfully completes a state-approved motor vehicle defensive driving course, you may be eligible for a discount of up to 5%.1
Good Student Discount
High school or college students who maintain a B or better average may be eligible to receive a discount of up to 25%.
More Ways to Save
Buy an older car
Get your teen an older, less expensive car, since the cost of the vehicle is a large factor in the cost of insurance. And for an older car that’s paid in full, you have the option to drop collision and comprehensive insurance and carry only liability. This can help reduce your rate.
Keep a clean record
Avoid insurance claims for minor damage such as bent fenders and encourage your teen to follow driving rules to avoid traffic tickets. Both insurance claims and traffic tickets will make insurance for teens more expensive. On the flip side, if your teen’s record stays perfect, insurance rates may come down over time.
Don't skimp on liability coverage
One thing you don't want to do is cut down on liability coverage. Young drivers are more likely to have accidents, and lowering your liability limits could leave you paying thousands of dollars in expenses if your child is at fault for hitting another car or injuring someone.
Let us insure your home
Consider insuring your auto and home with COUNTRY Financial so you can make the most of our Multi-Policy Discount.
Raise your deductibles
Lower your premiums by raising your comprehensive and collision deductibles to at least $1,000.
Things to Consider
Should I add my child to my policy or have them get their own?
It’s a good idea to have your COUNTRY Financial representative provide a quote for adding your child to your policy and one for getting their own policy. You can then compare the quotes and determine which would be the better choice. If your child is under 19, they can only get their own auto policy with us if the parents also have auto insurance with COUNTRY.
Who pays for damage if my child’s friend wrecks his or her car?
It’s not a good idea for your teen to hand his or her keys over to a friend, but if they do and an accident happens, the liability may fall under your policy, depending on the circumstances of the claim.
If you’ve got more questions about car insurance for teens, we’ve got more answers. Contact your local COUNTRY Financial representative for help.
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1Not available in all states.