If your teen has just gotten their driver's license, it is important to consider adding them to your car insurance policy. However, if your teen does not yet drive and is not even on a learner's permit, they do not need to be on your insurance policy. Some families may choose to delay having their children learn to drive and get their licenses, giving them time to save for a car if that is part of the plan.
If you do choose to add your teen to your policy, it is recommended to do so as soon as they start driving. In most states, you must be at least 18 years old to purchase car insurance on your own, unless you are emancipated. Some states may allow minors to obtain car insurance with the consent of a parent or legal guardian. If your teen has a learner's permit, it may be a good idea to add them to your car insurance policy. This way, if your learner driver is involved in a car accident, you could file a claim with your insurer and your car insurance policy would typically help pay for related expenses. It is important to note that the insurance company should know if the teen driver is a primary driver, as this can have an impact on the insurance rates. Adding a teen driver to your policy will likely increase your insurance rates, but the amount of increase will vary depending on the factors your insurance company uses to assess risk and determine rates. Not every person in your household needs to be listed on your car insurance policy.
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