Car insurance for teens

Choosing the right car insurance coverage for a teen driver starts with understanding what's required versus what's recommended based on your vehicle and situation.

Liability coverage is required in most states, with minimum limits set by state law. It covers damages to another person's property and/or injuries if your teen is at fault in an accident. Because requirements vary by state, check your state's minimums when setting up your policy.

Coverages that may be required based on vehicle ownership:

If your teen's car is leased or financed, the lender will typically require:

• Collision coverage: covers damage to your vehicle after an accident
• Comprehensive coverage: covers damage from non-collision events such as theft, weather, or falling objects

Coverages worth considering for teen drivers:

Even when not required, the following coverages can provide added protection given the higher risk associated with inexperienced drivers:

• Higher liability limits: State minimums may not fully cover the cost of a serious accident. Higher limits can provide greater financial protection.
• Collision Coverage: Helps cover repair or replacement costs for your vehicle, regardless of fault
• Comprehensive coverage: Particularly worth considering if the vehicle has meaningful value

24-Hour Roadside Assistance⁸ is an optional coverage that helps with situations, such as flat tires, dead batteries, running out of gas, lockouts, and towing. It can be a practical addition for teen drivers that gives both teens and parents added confidence on the road.

Most likely. If your teen lives with you and holds a valid driver's license, you should add them to your auto insurance policy. Licensed drivers in your household who regularly have access to your vehicles are generally required to be listed on your policy. It's best to contact your insurer directly to confirm what's required in your specific situation.

To get a personalized quote for your family's needs, call a Liberty Mutual representative at 844-428-3554.

If you are an existing Liberty Mutual customer, you can add your teen online through your Liberty Mutual account.

Because rate changes depend on multiple variables and differ by coverage type, there is no single age or timeline that applies to all drivers or all policies.

Car insurance rates for teen and young drivers are influenced by a combination of factors, including driving experience, driving record, age, location, and the coverages on your policy. As your teen gains experience behind the wheel and builds a clean driving history, their risk profile may improve and that can be reflected in their premium over time.

The best way to understand how your teen's rate may evolve is to speak directly with a Liberty Mutual representative, who can review your specific policy and walk you through what to expect.

Yes! With our RightTrack®⁷ program, we'll reward your teen for good driving behavior and could save you up to 30% for safe driving. Participating in RightTrack provides feedback to your teen driver, helps them improve their driving habits, and encourages safe driving behaviors.

Also, if your teen driver has a GPA of B or better, our Good Student Discount can help you save even more money.⁴

Just let us know! Our Student-Away-At School Discount gives you a discount if your teen driver is away at school and only occasionally drives your car.²