Overview
Teen drivers are statistically the highest-risk group on the road, which is why they raise premiums significantly. But independent agencies can shop multiple carriers to find the one that prices teens the most fairly, and stack discounts like good-student, driver-training, and telematics programs to bring the cost down.
Key benefits
- Good-student discounts (typically 10–20%)
- Driver-training course discounts
- Telematics-based safe-driving discounts
- Multi-vehicle discounts when teens share a household car
Real-world examples
Adding a 16-year-old
We move your policy to a carrier that prices teens more favorably and stack a good-student discount, cutting the added premium by 25% versus your original carrier's quote.
Related coverages
Required by Texas law — covers the other driver when you're at fault.
Liability + collision + comprehensive — the package most lenders require.
Repairs your vehicle after a crash — regardless of who's at fault.
Protects against theft, hail, vandalism, and animal strikes.