If you insure a teenage driver...

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Posted 1/27/2013 by TanyaB in NSBR Board

Early Morning Pea-er

PeaNut 16,129
June 2001
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Posted: 1/27/2013 10:02:21 AM
please give me some input. My son goes for his driving test on Tuesday. Assuming he'll pass, we need to insure his jeep he rebuilt with my dad. I was talking to a co-worker and told her we were going to insure the jeep under my husband's name and put my son as a part-time driver on it.

She told me that when her son recently got his license, they insured a third vehicle, but their agent told them not to add the son as driver because the cars are insured no matter who is driving. So they basically don't have him on their insurance. I've never heard of this before?

I'm not sure what to do now...how do you have yours set up? Thanks

sunny 5

PeaNut 472,024
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Posted: 1/27/2013 10:08:02 AM
put him on insurance. don't cheap out...teen drivers are more likely to need good insurance behind them. also, as the years go by, he will be able to get cheaper insurance with a good record. no record...always starts at the expensive level.

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PeaNut 6,186
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Posted: 1/27/2013 10:09:37 AM
Our dd is on our car insurance.



PeaNut 16,299
June 2001
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Posted: 1/27/2013 10:14:43 AM
I would add him. You may have to list him as a primary driver on one of the vehicles though if you will have 3 vehicles and 3 drivers. With many insurance policies you can only only list someone as apart time driver if you have more drivers than cars.


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PeaNut 36,000
April 2002
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Posted: 1/27/2013 10:19:27 AM
He needs to be insured. Our insurance told us that we didn't need to add our ds until he actually got his driver's license but fine with a learner's permit.
Check with your insurance company as there are different laws in different states.


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PeaNut 40,147
June 2002
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Posted: 1/27/2013 10:20:24 AM
I've wondered the same thing! My insurance agent told me (as an answer to another question) that the insurance follows the car, not the driver; no matter who is driving the vehicle, it is covered as long as you have insurance on it.

ETA: I'm not condoning leaving a child off a policy - I just meant that it's something I've wondered about too.
I'll add my daughter to mine once she actually passes her driver's test. Oy vey.

You may have to list him as a primary driver on one of the vehicles though if you will have 3 vehicles and 3 drivers. With many insurance policies you can only only list someone as apart time driver if you have more drivers than cars.



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PeaNut 34,233
March 2002
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Posted: 1/27/2013 10:24:46 AM
We have 2 teen drivers on our insurance. Our agent had us list our daughters as driving one of the cars because it's the cheapest way to do it. One of our DDs was in an accident wHile driving the other car (not her fault. She was rear ended by another driver while she was waiting to turn left). Our car was covered.

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PeaNut 95,504
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Posted: 1/27/2013 10:26:57 AM
This is how it works with my insurance. Once each of my kids turned 11, I had to sign an exclusion for them. Basically, they are NOT covered on my insurance. Reasoning? Because kids starting at that age can sometimes mess around with a car or try joy riding.

When the child turns 15.5 and gets their permit they are back on the insurance for free until they get their driver's license. They could have their permit until they are 18 and still be covered for free but once they get their license they need to be added or they are not covered if they drive any of the cars on my policy.

Any other driver over the age of 18 that drives one of the cars on my policy is covered but any driver that lives in my household is NOT covered unless they are added to the policy.

Speak with your agent and see how your insurance company works for your teen drivers.


PeaNut 451,323
January 2010
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Posted: 1/27/2013 10:30:52 AM
I'm only licensed it Illinois, but I would guess the laws are similar in other states.

In Illinois state law requires all licensed drivers in the household to be listed on your policy. (Unless they get their own). Granted, the state probably want say anything (unless your sons dl is randomly shosen to verify insurance). However, your insurance company will care.

If you do not list him and he has a claim you insurance company could theoretically deny the claim. More likely they'd pay, and then non-renew you well, my company would. Some of the high risk companies would likely deny and non renew you.

Also, if you don't list him you are going to make it MUCH Harder for him to get insurance on his own someday. In Illinois at least companies are looking for a minimum of 1 year prior continuous coverage. If you have no prior coverage (your name was never listed on an insurance policy as a driver or named insured) you will be stuck looking at "high risk" policies which are generally much more expensive.

Talk with your agent. There are probably discounts in place to help off set the cost of a young driver. Look into a good grade discount. And several companies off discounts if kids compete the Adept Driver course.

Ancient Ancestor of Pea

PeaNut 220,508
August 2005
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Posted: 1/27/2013 10:34:03 AM
The insurance does follow the car to a degree...you don't have to put your kids on it if they only have a permit. However, once they become an "occasional driver" you do need to list them. If a visiting family member drove your car they would be OK.

In my case we had my DH and I and two teen drivers. They could be listed as occasional drivers on our older car and still use the van and the insurance was less than if they were listed as ocasional on the van since it is newer.

We just added a third vehicle. Now DD has to be listed as primary on one of the three vehicles. It less expensive to put her as primary on a car than her brother.

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PeaNut 224,352
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Posted: 1/27/2013 11:03:16 AM
It is illegal to have a license in my state without insurance. Plus, your friends are committing insurance fraud as I understand it. They knowingly have him driving without being insured. I bet they'll want their insurance company to pay if anything happens with their son behind the wheel!

Our cars are insured and each car is assigned a primary driver. In NC if you have 3 cars and 3 drivers, you CANNOT have a part time driver on a policy. I could only do that if I had fewer cars than drivers. It is expensive, but it does go down rather quickly each of three years that they are insured and do not have at fault claims.

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PeaNut 387,494
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Posted: 1/27/2013 11:10:44 AM
We just went through this too. Our oldest son turned 16 last summer and that is when he was added to the insurance. About a month after his 16th birthday, the insurance company sent a form to us asking for all the drivers in the family so even if he wouldn't have been on the insurance already...they would have found out about it.

It is expensive to add a teenager to insurance but I can't imagine not having it. I would add him to your insurance.

Early Morning Pea-er

PeaNut 16,129
June 2001
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Loc: Northern Wisconsin

Posted: 1/27/2013 11:17:22 AM
Thanks much for the help! I figured something wasn't right with what she told me, but she's a pretty smart lady (a teacher) so I was puzzled as to why they aren't insuring him, basically.

Does anyone mind me asking how much theirs went up for a male driver? He does have an excellent GPA, so that may help.

Ancient Ancestor of Pea

PeaNut 12,875
March 2001
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Posted: 1/27/2013 11:19:21 AM

It is illegal to have a license in my state without insurance.

Here, you have to have insurance to have your car registered, but not to have a driver's license. A lot of people who live in the city don't have insurance because they don't own cars, but they do have licenses.

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PeaNut 25,575
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Posted: 1/27/2013 11:21:33 AM
In my state, insurance goes with the car, not the driver. Our DS is the primary driver of our least valued car ('96 Mazda on its way to 300k miles), but can drive our other cars. It saved us more in insurance costs in one year over what we paid for the Mazda doing it this way.

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PeaNut 61
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Posted: 1/27/2013 11:28:01 AM
>>>>>Does anyone mind me asking how much theirs went up for a male driver? He does have an excellent GPA, so that may help.>>>>>

Our son made it jump 50%! We dropped everything but the one car to liability (that car had a loan) to be able to afford it, lol
We did jump the liability to the limits.

When my daughters got theirs, it wasn't that bad, plus the student discount is almost 50% for them.

My oldest DD is living in LA now, going to school so i did take her off the policy and it saved me 180$ She has no need for her car, has no plans on living here this summer.

I would talk to your agent about your options, you can have them run the numbers to see what car he would be the cheapest to list as the main driver.

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PeaNut 18,741
July 2001
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Posted: 1/27/2013 11:32:31 AM
When we insured our daughter, we didn't have 3 vehicles. She was priced on our van which is what she'd be driving the most. When we purchased a second truck, she was "put on" the truck as it was older ('98) and priced out better. Our agent did this for us automatically.

I can't see how you go about getting out of any coverage like your friend has stated. I'd work with your agent and go from there. They are there to help protect you AND get you coverage at the least cost possible while still giving your the coverage you need.



PeaNut 226,960
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Posted: 1/27/2013 11:42:25 AM
Edited to add: read what Bethanne said it's easier to understand.

My insurance had me sign a document stating my son would not drive our cars unless I added him.

Once he got his license I called the insurance to add him as a driver only. He doesn't own a car. The quote given was $900 more for 6 months. I had 21 century . I called around everyone was similar.

They said the only time you don't add your kids is if they
Don't live at home. So son could come home to visit and drive my car . Insurance is less if they are away at college. I also found out it would cost less to insure an old used car for him. Well none of those pertained to us at the moment. I wasn't going to pay $900.

The whole thing sounded crazy then I
Called geico and was given a quote of less than 200 more
For 6 months. This is just to add him. He doesn't have a car. He's an occasional driver
Of my car. We have two cars.
So I changed to geico.

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PeaNut 14,521
April 2001
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Posted: 1/27/2013 12:16:15 PM
We have four cars and three drivers, so definitely registered for one of the cars.

Good student discount for us was a 20% discount, but even so the cost to add him was almost $200 a month. It's going to vary based on the car he's added to. It would have been a lot more if his primary car was my dh's new vehicle for example.



PeaNut 514,794
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Posted: 1/27/2013 12:29:19 PM
When DD passed her road test, the examiner told us there was a big fine if it was found out she wasn't listed on our policy. She has an 8 year old car with full coverage and a $500 deductible. Oat us about $1500 a year.



PeaNut 249,970
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Posted: 1/27/2013 12:41:50 PM
My DD hasn't got her license yet but here's an Alberta (Canada) perspective. We have been told by our insurance company to get her a car that's just hers and an insurance policy that's just hers. That way if she has an accident it doesn't affect our policy. Only hers will go up, not all of ours. This is a huge change from many years ago (yikes, 30!) when I got my license. At that time I was added to my parents insurance as an occasional driver and it cost very little.

Insurance for teen/young adult drivers has changed a lot since then, at least here in Canada.

And we would have to insure her, each person needs to be insured. We'd get into big trouble if we didn't insure her.

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PeaNut 221,552
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Posted: 1/27/2013 2:28:40 PM
Here in NC we were required to show that our girls' names were on the insurance BEFORE they would even let them take the driving part of the test. So, no question here--they have to be on the insurance. For 2 teen drivers (one has no interest), our insurance doubled.

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PeaNut 146,748
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Posted: 1/27/2013 2:34:41 PM
Make sure he is on your insurance, but you can also insure the jeep for liability only - we did that for the beater car that our kids drove - so if something happened, any damage they caused was covered for the other car/driver, but damage to our car wasn't. the value of the car wasn't worth putting full coverage on it.

our kids were insured as part time drivers on all the cars, limiting them to one didn't make sense. also ask agent about discounts - good student, eagle scout, etc. we were surprised what was offered.

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PeaNut 159,334
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Posted: 1/27/2013 2:39:40 PM

>>>>>Does anyone mind me asking how much theirs went up for a male driver? He does have an excellent GPA, so that may help.>>>>>

Shop around! When I inquired about adding my DD to our policy, our insurance (AAA) quoted me a price that was more than double our existing insurance! And we weren't even adding a car - she was going to be listed as an occasional driver of my beat up old car.

I got quotes from many companies, and got a much better price from USAA.

I had to show proof of insurance to the DMV before DDs driving test.


Sue Pea

PeaNut 87,238
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Posted: 1/27/2013 2:47:10 PM
Ha! Different states are different, but your friend's situation couldn't happen where I live. However, in my state we have "staged" licenses and we do not have to add a new driver until they have their actual, unrestricted license. So if they have stage 1 or 2 license, they do not yet have to be on the insurance. But within DAYS of when my DS got his unrestricted license, my insurance agent called and said he had to be added. What I'm getting at is the insurance company knew because they keep track of new drivers by birth date.

Anyway, my insurance permits my DS to be rated as a part time driver on one vehicle, but some insurance requires that the teen be rated on ALL vehicles in the house.

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PeaNut 87,597
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Posted: 1/27/2013 3:10:40 PM
I don't know the answer, but my daughter will be 16 in July. Not looking forward to her driving at all! I think the most worrisome thing about having a teenage daughter is letting her drive!


PeaNut 1,551
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Posted: 1/27/2013 4:20:00 PM
I think it depends upon the state you live in, too. Here is Kansas, the kids get their permits at 14, then move to a restricted license at 15, a little less restricted at 16 and then a full license at the age of 17. According to my agent, (we have Farmers') my 16 year old nor my 14 year old have to be on my insurance until they turn 17 and have the full license.


PeaNut 541,069
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Posted: 1/27/2013 4:44:20 PM
I was told that anyone living in our house had to either have their own policy or be on our policy to drive our cars. That would mean any teenager needs to be listed if they are licensed and drive. Teens learning to drive are covered under parent's license until they have their own license.
In my state teens don't need a permit to drive they just have to be at least 15 1/2 and with a licensed driver over 25.

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PeaNut 471,633
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Posted: 1/27/2013 5:01:33 PM
That is how it works in the state I live in. All three vehicles are insured. They must be insured to be registered and by law you must have proof of insurance to operate a motor vehicle.

My husband and I are the policyholders and we added our son to the policy when he became a licensed driver.

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PeaNut 61,691
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Posted: 1/27/2013 5:31:47 PM
If your child lives with you and is not on your policy, he's not covered while driving your cars. If the kid down the block drives your car, he IS covered. My teenagers were listed on our policy once they got their licenses (they could not be, and weren't required to be, on the policy when they just had permits). They're allowed to drive and are covered on any of the cars, but I think they're listed as the primary on the 2 oldest, least valuable cars.

Ancient Ancestor of Pea

PeaNut 211,902
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Posted: 1/27/2013 5:59:23 PM
The minute our kids got their drivers licenses they were added to our insurance... in fact I believe they were added in some fashion when they were learning to drive too... though don't remember that for a fact. I would never not have them specifically insured to drive our car(s).

We had been with a well known insurance company for many years and when it came time to add our oldest, a boy, to the policy, the premium went up A LOT! We looked around and ended up paying (for the whole family), $1,000 less per year by switching to Mercury Insurance. I don't know if they write policies where you live, but even if you've been with one company for a long time, this might be a great time to shop around.

good luck, and safe driving!

Ancient Ancestor of Pea

PeaNut 196,226
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Posted: 1/27/2013 7:27:09 PM
In Oklahoma, you do not have to add them to your insurance policy until they get their license. If it is just a permit, you don't have to add them. Depends on the insurance company on which car he will be rated to. We would try to play around with the ratings, but sometimes the system just wouldn't let us. It will automatically rate the kid to the most expensive car. Doesn't mean that is the primary car they are driving. In fact rating as occasional to a vehicle doesn't mean anything. You are covered on any car that is insured. Any family member is covered as a permissive driver whether listed or not. They will however cancel you if you do not add them in a timely manner and they have a claim. (they will more than likely pay the claim though with no problem) The thinking behind it and also rating them to a expensive vehicle is that teens have the highest accident rates so they feel they may be paying out on the policy for you.


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PeaNut 99,986
August 2003
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Loc: Wisconsin

Posted: 1/27/2013 7:44:21 PM
Not sure if this is a Wisconsin thing, but I know two people that do that. One was told this by his brother who is an insurance agent......for the record none of them are me. We are all insured.


FLA SummerBaby

PeaNut 290,599
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Posted: 1/27/2013 9:08:50 PM
My insurance company requires that you cover all teen drivers the minute they are licensed regardless of whether they have their own car to use or not. When DD turned 15 we had to let the company know to add her to policy though there was no charge for the year that she had her learner's permit. They told us to call the moment she had the actual driver's license to add her correctly to policy before she did any solo driving. Our premium went up about $100 month (with good student discount) as just an extra driver. It will increase even more once she is able to get a used car.

Another friend of mine added her teen driver to an existing "extra" family car they had and were told that with 3 cars, she had to be one of the car's primary drivers, and that caused the premium to increase.

Good luck.

~~ Lisa ~~


PeaNut 259,367
April 2006
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Posted: 1/27/2013 9:14:50 PM
Call your agent.

What you are describing is impossible in my state and does not make sense. Why would the insurance company take a risk without economic gain?

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