Merrill Burchell, Car Insurance Writer
@merrill_burchell
Yes, you will likely have to add your teenager to your car insurance when they first get their permit and start driving. Some states - including Illinois, Indiana, Maryland and others - allow insurance companies to require that customers list a teen driver on their policy when the teen receives a learner's permit. However, different insurers differ on when you have to start paying extra for them.
The bottom line is that you should inform your insurance company before your teenager gets their preliminary permit. While most companies start covering your teen then, you typically will not be charged extra at this point because the mandatory adult supervision makes your teenager a lower risk. You will be charged additional premiums for your teen when they are fully licensed or turn 18, whichever comes first.
But be aware that this is not true for all companies in all states. It’s important to ask your insurance company if you’re required to not only add your teenagers, but also start paying premiums for them as soon as they get a permit.
The average cost to add a teenage driver to your family policy is about $225 per month. It’s a bad idea to try to hide your teen from your insurance company just to save this cost, however. Your insurer is likely to find out anyway. You may have listed your young children on your original application, for example. Insurers also receive reports listing residents at your address and periodically review Department of Motor Vehicles information. If your insurer doesn’t find out about your teenage driver until he or she is involved in an accident, this can be a big problem. Some companies will forgive you. Others will refuse to pay the claim or back-charge you for all the premiums you haven’t paid since your teenager became licensed.
If you don’t want to add a teenager to your policy, you can have them buy their own. This will cost about twice as much, but it does protect the family assets from liability in case your teenager causes an accident. If your teenager moves away from home (other than for school), they will have to get their own policy anyway.
People also ask
How much is car insurance for an 18-year-old?
Car insurance for a 18-year-old is $2,325 per year for minimum coverage, on average. Eighteen-year-old drivers pay even more for full coverage, which typically includes comprehensive and collision insurance in addition to the state's minimum requirements.
Eighteen-year-olds pay more for car insurance than older, more experienced drivers because insurers consider them to be high-risk, meaning they're more likely to file a claim. Because the cost of coverage for 18-year-olds is so high, it's important to...
read full answer by Candace Baker, Car Insurance WriterWhat is the average cost of car insurance for a teenager?
The average cost of car insurance for a teenager is $243 per month, for an individual policy. Younger teens typically pay the most for car insurance coverage, with 16-year-olds paying an average of 85% more than 19-year-olds.
Average Cost of Car Insurance for Teenagers by Age
| Age | Average Annual Premium |
| $3,192 per year | |
| $2,647 per year ... |
How much is insurance for a new driver?
Car insurance costs an average of $2,317 per year for a new driver who gets their own minimum coverage policy. The exact cost of a policy will depend on several factors including age, location, driving record and coverage limits.
It’s important to note that the cost of insurance will be different for a newly licensed teenager than someone getting their driver’s license later in life. Typically, teenagers will pay more for insurance than someone in their...
read full answer by Merrill Burchell, Car Insurance WriterDid we answer your question?
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Car Insurance follows the car, not the driver in Ohio (generally). So, If I own a car, and my girlfriend's 16 year old licensed driver occasionally drives it to school, she should be covered under my insurance policy just as any other driver would be. This is in my opinion. Her domicile address is different than mine and she is not related by blood; therefore, there should be no need to declare her to my insurance company. Again, in my opinion. This is a deeper legal question to be answered.
So Geico is demanding I add My 19 yr old son to my policy, even though he is in college and has been living with his dad for the last two years. While on the phone with them the representative stated that they have added him to my policy, even though I was just asking questions about the letter in the mail I received. It makes no sense for me to add someone to my policy who doesn't even drive my car at all.