Car Insurance for Teens

Teens and driving – the impending milestone may cause you to sprout a few gray hairs, we get it. We also get that you want to help your teen develop safe driving habits and find ways to save on car insurance. Ease some of the stress by contacting your insurance agent to get answers to your questions about car insurance for teenagers and get more peace of mind knowing they’ll help you find the right auto insurance protection for your family.

Why does car insurance for teens cost so much?

Teens have less experience on the road and historically have higher accident rates, so it’s riskier for car insurance companies to insure them. That’s why your rates will increase when you add your young driver to your car insurance policy.

You can offset some of that cost by qualifying for some of the auto insurance discounts we offer. Review your insurance with your agent to make sure you are getting the most insurance value for your dollar. 

Save on auto insurance with valuable discounts

Simply Drive ® Discount

Our Simply Drive teen driver discount program offers peace of mind and savings for your family. You'll get a little peace of mind knowing your new driver completed a driving safety course, and after they successfully complete the course, you'll get up to a 10% discount on your teen's insurance.

Have your teen driver take the Simply Drive course today.

Good Student Discount

When your teen commits to academic success and keeping their grades up, they show they are responsible. As a result, they and you are rewarded with a car insurance discount. Full-time students with at least a B grade point average or college graduates could save with our Good Student Discount.

College Graduate Discount

Drivers who graduate from college could qualify for a College Graduate Discount on their car insurance until age 25. They need to submit their transcript and/or diploma and recertify annually.

If they stay with COUNTRY after they establish their own household and insurance, they could qualify for our Legacy Discount

Driver Training Discount

You could save if your teen successfully completes a state-approved driver’s education and/or a motor vehicle defensive driving course. This discount isn’t available in all states, so check with your insurance agent to make sure it’s offered in your area.  

Visit our auto insurance discounts page to see all the ways we can help you save on your car insurance.

More ways to save money on car insurance

In addition to qualifying for car insurance discounts, you can also get lower rates on auto insurance for teens by following these money-saving tips.  

Enroll in our DriverIQ program

COUNTRY Financial DriverIQ uses smartphone app technology to provide feedback on driving habits. Not only will it help build awareness of driving habits, it may help teens become safer drivers. With the scoreboard feature, parents can monitor their teen's driving scores and encourage them to avoid distractions and drive more safely.

With an introductory 10% discount, you can get immediate savings. Then, with continued safe driving, that car insurance savings can increase to up to 25% in the DriverIQ program. Encouraging safe driving and saving money - that's a win-win for car insurance for teens.

Encourage safe driving to keep a clean record

Avoid car insurance claims for minor damage such as bent fenders and encourage your teen to follow driving rules to avoid traffic tickets. Both car insurance claims and traffic tickets will increase your rates.  On the flip side, if your teen’s record stays perfect, your rates may come down over time.

Combine car and home insurance

By buying both your car and homeowner insurance with us, you may qualify for our Multi-Policy Discount. You'll get both convenience and savings by having your home and car insured with the same company. 

Increase your car insurance deductibles 

You can lower your car insurance premiums by increasing your comprehensive and collision deductibles to at least $1,000. Just remember, when you raise your deductible, you will take on more risk, and with a deductible of $1,000, you will have to pay $1,000 out of pocket if you file a claim. 

Keeping you safe on the road is important to us

We’ve partnered with the Insurance Institute for Highway Safety (IIHS) and the Highway Loss Data Institute (HLDI) for over 40 years to support their mission to “reduce deaths, injuries, and property damage due to motor vehicle crashes.”

Frequently asked questions

Your teen needs to be at least 19 years old to get their own policy. If they’re under 19, they can only get their own auto insurance policy with us if their parents insure their cars with COUNTRY Financial. 

Every situation is unique, so talk to your insurance agent. They can provide you with an auto insurance quote for both scenarios. That way, you can compare the quotes and make the choice that works best for you and your family. 

Encourage your teen not to allow to friends to borrow their car. If they do and the friend is in an accident, the liability may fall under your auto insurance policy, depending on the circumstances of the accident.

Because young drivers are more likely to have accidents, make sure you have higher levels of  liability coverage when you have an inexperienced driver on your auto insurance. If your child is at fault for hitting another car or injuring someone, you may have to pay thousands of dollars in expenses if you don't have enough liability protection. 

Talk to your insurance agent about adding an umbrella liability policy. When you have an inexperienced driver in your household, that additional level of liability insurance protection could be an important part of your financial plan. 

Ready to start a car insurance quote?

Start online, find a local rep, or call us at 866-COUNTRY (866-268-6879). We'll help you find car insurance that works for you. 

Start a quote

COUNTRY Financial® is a family of affiliated companies (collectively, COUNTRY) located in Bloomington, IL. Learn more about who we are.

Discounts and availability vary by state.

Auto insurance policies issued by COUNTRY Mutual Insurance Company®, COUNTRY Preferred Insurance Company® and COUNTRY Casualty Insurance Company®, Bloomington, IL. 

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