Car insurance for teens and new drivers

Learning to drive is an exciting time for a teenager. But it can also be expensive. Fortunately, State Farm® offers competitive rates on car insurance for teen drivers. Not to mention excellent service, safe-driving tips, and savings as much as 25%1 to help reduce teen driver insurance costs.

Add a teen driver to your car insurance policy

To add a teen driver to your auto insurance policy, contact your agent or log in to your account. If you don't have a user ID, register for online access. Unless you're also adding a vehicle, your teen driver should probably be marked as a primary driver on one of the family vehicles.

How to save on car insurance when adding a teen driver

State Farm offers several car insurance discounts that may help teen drivers lower the cost.

Good Student Discount

Save up to 25% if your teen driver gets good grades.1 The savings may last until your teen turns 25. Their most recent report card might be the key to lowering their premium. Home-schooled students may also qualify with other options, such as submitting evidence they’ve taken certain national standardized tests administered within the past 12 months and ranked in the upper 20%.

Driver Training Discount

Qualify for a discount if all the operators of your vehicle under the age of 21 complete an approved driver education course.

Student Away at School Discount

Learn if you can save if one of the operators of a covered vehicle is a student under the age of 25 who moves away to school and only uses the car while at home during school vacations and holidays.

Discounts based on safe driving habits

Help lower your car insurance costs with our Steer Clear® 2 and Drive Safe & Save® 3 programs while teaching your young motorist how to drive more safely.

Other options to reduce young adult insurance premiums

If right for your situation, you can also lower your premium by:

  • Purchasing a safer car for your teenager
  • Reducing or removing comprehensive/collision
     coverage if the teen’s car has a low value
  • Increasing the deductible on their coverage

Frequently asked questions about new driver coverage

It is neither a good idea nor legal for a teenager to drive a car without insurance. All licensed drivers in the household should be listed on your auto insurance policy to ensure proper rating and coverage apply. Permit drivers should also be listed even though they will not have impact on premium until fully licensed. If your teenager does not have a vehicle designated as their own, he or she should be added as a driver on their parent’s policy.

You can have your teenager get their own policy, but it will likely be much higher than a rate they could have received if they had been added to a parent’s policy. A teen’s learner’s permit will likely have little impact on premiums because of the required adult supervision, but it’s still important to inform your agent before a teen gets their preliminary permit.

It is also vital to talk to your State Farm agent when a family member obtains a license in order to make sure the new driver has coverage. Not ensuring proper coverage could lead to complications if the new driver has an accident and needs to file a claim. Your agent can help provide options for your particular state so you can make the appropriate policy choices.

The premium for young adult or teen car insurance is determined by a variety of factors that include your coverages, deductible, state you live in, car value, available discounts and several other considerations. To find out more, get a quote today or talk to a State Farm agent.

The State Farm Good Student Discount can save you up to 25% on your auto insurance when a full-time high school or college student on your policy maintains a 3.0+ GPA, is ranked in the top 20% of their class, or is named to the Dean's List/Honor Roll in a given semester.

Yes, they can be listed on the policy of a parent or spouse.

Get a local agent who gets you

There’s a State Farm agent nearby ready to offer personalized service to fit your specific needs.

”A bearded State Farm agent in red shirt and red pullover jacket smiles.

What coverage options are available for teen drivers?

Generally, auto policies can include any of the following:

Collision coverage
Liability coverage
Comprehensive coverage
Emergency road service coverage
Underinsured/Uninsured motor vehicle coverage
Medical payments coverage

Simple Insights®

Looking for help protecting your vehicle? You’ve come to the right place. Articles from Simple Insights draw on over 100 years of State Farm knowledge.

A pair of keys dangles from the hand of a new driver.Choosing that first carDad adjusts the rearview mirror for his daughter instructing her on the proper angles.Teen driving 101

1 See our Good Student Discount, which if your student gets good grades could be has high as 25% and last until they are 25. Your teen's most recent report card might be the key to lowering their premium.

2 Steer Clear Safe Driver program is not available in every state. For additional information, please contact your State Farm agent. Savings and their availability may vary by state and eligibility requirements. Not all vehicles or drivers are eligible for savings.

3 Drive Safe & Save availability and savings may vary by state and coverages selected. In Maryland, only mileage information is used in discount calculation. Savings may not be available in California and North Carolina, depending on individual facts and circumstances.

Various discounts and savings do not apply in every state.

The information in this article was obtained from various sources not associated with State Farm (including State Farm Mutual Automobile Insurance Company and its subsidiaries and affiliates). While we believe it to be reliable and accurate, we do not warrant the accuracy or reliability of the information. State Farm is not responsible for, and does not endorse or approve, either implicitly or explicitly, the content of any third-party sites that might be hyperlinked from this page. The information is not intended to replace manuals, instructions or information provided by a manufacturer or the advice of a qualified professional, or to affect coverage under any applicable insurance policy. These suggestions are not a complete list of every loss control measure. State Farm makes no guarantees of results from use of this information.

State Farm Mutual Automobile Insurance Company
State Farm Indemnity Company
Bloomington, IL

State Farm County Mutual Insurance Company of Texas
Richardson, TX