Auto Insurance for Teen Drivers

Getting behind the wheel is a major milestone and a significant responsibility for teens. Securing auto insurance that meets legal requirements and financially protects new drivers is a crucial step.

Why Do Teen Drivers Need Auto Insurance?

Teen drivers face higher accident rates due to limited experience. Most states require all drivers to carry at least liability coverage to drive legally, and insurance may be especially important for teens. Adding a teen to a family policy is a common approach, which can be more cost-effective than purchasing separate coverage.

What Are the Benefits of Auto Insurance?

Auto insurance may help handle the financial impact of accidents, which can be especially valuable as teen drivers learn the rules of the road. Here’s what a standard policy typically includes:

• Liability coverage may compensate for damage and injuries to others if the teen is at fault in an accident.

• Collision coverage may cover repairs to the insured vehicle after an accident.

• Comprehensive coverage may help handle the financial consequences of noncollision events like theft, vandalism or severe weather damage.

• Personal injury protection may cover medical expenses and lost wages for the driver and passengers after an accident, regardless of fault.

• Uninsured/underinsured motorist coverage may cover losses if the teen gets into an accident with an at-fault driver who lacks sufficient liability coverage.

What Questions Should I Ask My Agent About Coverage?

Before finalizing a policy, consider asking your agent the following questions:

• What discounts are available for teen drivers?

• How does adding a teen affect the overall premium?

• Are there mileage limits or usage restrictions?

• What happens if the teen gets a ticket or is involved in an accident?

• Is roadside assistance coverage included?

• Can the policy be adjusted as the teen gains driving experience?

Learn More

For more information on auto insurance, reach out to Gator Auto Insurance Agency Inc. Our team in Jacksonville, FL can assess your situation and recommend appropriate coverage. Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.