Learning to drive is a classic rite of passage for any young person, but along with the excitement and the freedom of driving come new responsibilities. Adding a teen driver will likely lead to changes in your household, as well as changes to your auto insurance policy.
 
Because teen drivers are high-risk drivers, adding a teenager to your auto insurance policy will lead to an increase in your overall premium.
 
 
Why? The facts are telling. According to the National Highway Traffic Safety Administration, traffic accidents are the leading cause of death for 15- to 20-year-olds in the United States.
 
Below are a few tips to keep your teen safe and to keep the costs down:
 

Vehicle Safety Ratings
Each year, we analyze our claims data to determine which vehicles on the road are the safest, then use the information to create discounts for our customers. If you plan on purchasing a new or used vehicle for your teen, have a look at our database and find out which particular makes and models will lead to better savings.
 
Good Student Discounts
In some states, some insurance companies actually offer discounts for students who maintain a high GPA. Consistently earning high grades is one of the most effective ways your teen can save you money on your auto insurance.
 
Driver Safety Training
It’s important to make sure your teen is aware of the new risks and new costs associated with driving, as well as the importance of maintaining a clean driving record. Traffic violations will often lead to even higher premiums.
 
If additional driver safety courses are available in your area, encourage your teen to enroll in them. In some states, attending classes beyond what’s required to earn a driver’s license can lead to additional savings.