Car Insurance for Teens

It's usually cheaper to add your fresh-out-of-driver's-ed teen to the family plan versus buying him separate auto insurance for teens.

Here's why:

  • He'll share in the savings you get for things like owning a home, being married, having an established credit history and having a safer driving record.
  • You'll get a break on your rate to offset adding a young driver through your loyalty benefits (as long as you've had Progressive for at least a year).
  • If your teen has his own car, it costs less to insure it with other cars than it would to insure it by itself.

Plus, there are a few perks to sharing a'll still be covered if your teen borrows your car, or you borrow his, for example.

However, it might be worth quoting a new car insurance policy for your teen if:

  • You have an expensive-to-insure car, like a sports or luxury car. You'll have to insure your teen driver for access to all of the cars on the family plan.
  • Your teen wants to learn financial responsibility. (Hey, stranger things have happened.)

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