Teen Driver Auto Insurance Question
Reader’s Question:
I have two teenage daughters that are going to be 16 in a few months. They will be obtaining their license shortly after that. Will they automatically be insured once they get their license on my insurance policy? They will only be driving with an adult. Do I have to add them on my insurance policy? As long as they drive one of my vehicles are they covered?
Howard
Bridgeport, CT
Insurance guidelines and state laws differ so you will need to inform your insurance company’s agent and discuss the licensing of your teenage daughters and when they will need to be added to the policy.
An insurance company is allowed to consider all resident operators of an insured car in rating of an auto insurance policy. This includes your teens, even if he or she has only a learner’s permit.
Some insurance providers will not require children to be added during the permit stage but will once they obtain their junior, provisional or full license. Other insurance companies have internal guidelines that require you to add your teens as soon as they start the licensing process. If you want to know the state laws regarding auto insurance for teens you can contact your state’s insurance regulator.
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