Auto Insurance
for Teens

Get your teenager on the road with cheap, reliable car insurance from The General®.

Cheap Car Insurance for Teens

There are few things more freeing for a teen than getting a driver’s license and driving around town. Like with any drivers, most states require teenagers to carry insurance coverage while driving.

At The General, we pride ourselves in offering coverage to drivers usually considered high-risk—and that includes teen drivers. Find resources and other helpful information for parents and teens to stay safe on the road and insured.

Discounts on Auto Insurance for Teens

If you have car insurance coverage from The General, consider adding your teenager to your policy to keep costs low. Depending on your state of residence, there are also some other ways to save on auto insurance for teens.

Good Student Discount

If your student has a 3.0 GPA or higher, in some states, you may be able to send in their report card for an additional discount on their insurance rate.

Secondary or Occasional Driver

Is your teen away at college, or do they only drive occasionally? Consider adding them as a secondary or occasional driver on your existing policy, which could result in an even lower rate increase.

Are you a teen and ready to get started with an auto insurance policy?

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Parents and teens will love our app to manage policies, make payments, and more!

Frequently Asked Questions

If your teenager is living with you and/or financially dependent on you and driving your car, you’ll need to add them to your car insurance policy. While you may not want to pay the extra cost of adding them to your policy, it could help them in the long run. State laws and policies vary, but in many cases, you would need to cosign your teenager for them to get their own policy, which can be very expensive for them also.

Car insurance can be pricy for teenagers if they must have their own policies. Insurance companies factor in various things when determining insurance rates, including driving record, the kind of car they drive, and frequency of driving. Since teenagers don’t have driving records yet, insurance rates might be high for a teenager on their own.

Teens can get their own car insurance policies, but parents should consider adding teens to their policy if it could help secure a lower rate. If your teenager owns their car and it is in their name, however, they will need to get their own policy.

New drivers, whether they are teens or not, may face higher insurance rates because of a lack of driving record. Other factors, however, may help reduce those rates, such as driving an older, used model of car. Depending on your state, any discounts you may already have on your policy—such as multiple policy discounts, etc.—can also help keep costs low for adding your teenager or a new driver to your policy.

If your teenager is over 16 years old, living with you, and insured on your policy, they can drive your car. Depending on your state laws and your policy, they can drive your car when they get their permit as well.

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