Most parents know that adding a teen to their auto insurance policy will drive their rates up, but many still are shocked by the higher premiums. While you will pay more for coverage with a teen driver, there are some ways to reduce your costs while still getting the necessary protection. The following guide offers a few tips for making your teen’s auto insurance as affordable as possible.

How Can You Add a Teen to an Auto Insurance Policy?

1. Raise Your Deductibles

Comprehensive and collision insurance policies cover the cost of repairing or replacing your vehicle if it’s damaged by hail or in an accident you caused. These policies are necessary if you drive a newer, valuable vehicle, and your lender may require them if you’re paying off a loan.

Dropping coverage usually isn’t the best approach, but you can raise the deductibles on these policies. Taking on a larger share of the responsibility reduces the risk for your insurer, which usually leads to lower rates.

2. Get a Safer Vehicle

auto insurance

Insurance companies collect data on almost every vehicle on the market, which they then use to set premium amounts. Vehicles that are involved in fewer accidents or cause less damage are generally cheaper to insure than other cars.

The National Highway Traffic Safety Administration maintains a searchable database of crash test ratings that can help you choose a new vehicle for your teen that may be cheaper to insure. Requesting quotes before signing papers on a new car can ensure you save as much money as possible.

3. Sign Them Up for a Defensive Driving Course

Defensive driving courses give drivers the skills and tools to avoid many of the hazards of the road. These courses are so effective that many auto insurance companies offer discounts for completing an approved program. Signing your teen up for safe driving classes could save you hundreds of dollars every year. In addition, you'll enjoy peace of mind knowing that your teen is prepared to handle busy roads and other drivers. 


Finding affordable, quality coverage can be challenging, which is why parents throughout Tolland and Wyndham counties rely on Gervais Insurance Agency. As an independent agency based in North Windham, CT, they work with a selection of the industry’s leading carriers. Visit their website to learn more about their car insurance services, or call (860) 450-1192 to request a free quote.