What You Need To Know About Auto Insurance For Teenagers


If you have a teenage child who’s learning to drive, auto insurance should be the first thing on your mind. While your child will insist that they will drive slow and be safe, teenage drivers are said to be the most dangerous out on the road.

To ensure that you don’t have any out-of-pocket expenses and subsequent higher premiums in case your teenage child gets into an accident, learn what type of insurance policy and add-ons you should get.

Auto Insurance For Teenagers

It’s critical to remember that there are a hundred different ways things could go wrong when your teenager drives your car. If it’s a newer model or an expensive one, it’s going to cost you a lot of money just to get it repaired. 

Liability Coverage

Liability coverage is a must in most places, so you’ll definitely need to get that. This coverage helps you pay off any expenses if your teenager causes an accident that causes harm to the other driver or their car or public property.

Comprehensive Coverage

This type of coverage is essential for you if you got a new, expensive model for your teenager to drive. It protects you from expenses incurred in case of theft or natural disasters.

Collision Coverage

This one is another type of coverage that you should definitely get if you buy a new model that’ll cost a lot to repair. It covers the expenses needed to repair your car in case of an accident.

Uninsured Motorist Coverage

Not everyone is vigilant enough to get the appropriate insurance for their car. Since there are so many uninsured motorists roaming on every road, there’s a chance your teen might get into an accident with one. 

Since the uninsured motorists cannot pay your teenager’s car repair or hospital expenses, your Uninsured Motorist coverage will help take the financial burden off you.

Personal Injury Protection

If your teenager gets into an accident that causes them or the passengers in their car to need medical attention, PIP covers the cost of the medical bills. You can get this if you wish to sleep peacefully, knowing you won’t have to pay thousands in hospital bills if the worst happens. 

In conclusion, you should always get the maximum coverage for teenage drivers because they tend to drive recklessly, make mistakes and incur a lot of damage as they begin driving.