Your teen will need auto insurance before they hit the road, so it’s wise to start looking into policies now. Many parents have questions about the best way to insure their young drivers. Here what you should know as you search for the right policy.

A Guide to Auto Insurance for Teen Drivers

What kind of policy should I purchase?

It may be tempting to purchase your teen their own plan to avoid a rate increase. However, a separate policy is usually more expensive.

It’s best to add your teen to yours for the time being. If they decide to attend college out of state, you’ll need to secure a personal policy for them.

What coverage does my teen receive?

North Carolina requires a minimum liability insurance policy of at least $30,000 per person, $25,000 in property damage insurance, and $60,000 coverage for bodily injury. You may need to make adjustments to your plan so that you and your teen driver meet these requirements. The risk of motor vehicle accidents is highest between ages 16 and 19, so your teen needs to be properly insured.

Why do teen drivers have high rates?

auto insuranceRates start high for teens because they’re a serious liability for insurance providers. They have less experience driving and are more likely to be in an accident. The agency wants to receive fair compensation for taking the risk of insuring a teen and filing a claim.

How can my teen lower their rate?

Insurance companies will begin lowering rates as soon as your teen proves they’re a safe driver. Track their driving habits to share their average speed, acceleration, stop time, and other measures of driving safety. The insurance company will often reward them with lower rates after 90 days.

You should also purchase a safe vehicle. Those with backup cameras, airbags, and automatic seatbelts will earn lower rates since they reduce the likelihood of bodily injury. Consider bundling your homeowners and life insurance plans with the agency to get lower rates for each policy.


If you’re ready to secure a new auto insurance plan, contact High Rock Insurance Agency in Lexington, NC. These agents help customers find reliable policies, including home, boat, and life insurance. Visit their website to explore options, or call (336) 236-9022 to schedule a meeting with an agent.