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Teen Drivers Insurance

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Getting a car insurance quote when you have a teen driver in the house can be scary business. We at Dean Insurance agency understand that teenage drivers have the highest crash-risk of any age group. Per mile traveled, they have the highest involvement in motor vehicle crashes of all types. The problem is worst among 16-year-olds, who have the most limited driving experience and an immaturity that often results in risk-taking behind the wheel.  

Adding a teenage driver to your automobile insurance policy can result in a very expensive car insurance quote, and resulting premium, especially if the teen will be the principle driver of a vehicle or have access to a high-performance vehicle.  When a family has the same number of vehicles as drivers, the insurance company will assign each driver to a vehicle for rating purposes and each driver in the household will be considered a "principle operator" of that vehicle.  Again, this is just for rating purposes, and does not restrict drivers from using any of the vehicles. 

As a principle operator, the driver is considered to have full use of the vehicle, which potentially exposes you, the vehicle owner, and your auto insurance company to far more risk than a situation where there are fewer cars than drivers, thereby limiting availability of a vehicle to the young driver.  Discuss your situation with your agent and request a car insurance quote well before your teen gets a driver's license.  This will help you set the stage for your teen's future driving privileges so there are no surprises or false expectations. 

Families that own exotic or high performance vehicles will sometimes exclude their teen from driving that vehicle on the automobile insurance policy, significantly lowering the premium.  The caveat here is that under no circumstances, not even the most dire emergency, may anyone drive a vehicle from which they have been excluded.  To do so would be driving without insurance, which is illegal and would risk the loss of your home and fortune in the event of an accident.

If you have fewer vehicles than drivers, excess drivers may be considered "occasional operators" which will generate a much lower premium on your car insurance quote.  Many people consider it wise to hold off purchasing an automobile for their teen at least until they have accumulated some experience and demonstrated an acceptable level of responsibility and maturity behind the wheel.  If you are considering purchasing a car for your young driver, be sure to contact your agent for a car insurance quote on that specific vehicle before making any buying decisions.  

Here's what parents can do to help their teenagers drive safely:


Call Dean Insurance at 410.838.3700 for a car insurance quote or click here for Dean Insurance contact you directly!

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We provide auto insurance quotes in Baltimore, Cecil County, Harford County and Southern PA!
In Harford County we service the following towns: Harford County, Aberdeen, Abingdon, APG, Baldwin, Bel Air, Belcamp, Benson,
Churchville, Darlington, Edgewood, Fallston, Forest Hill, Gunpowder, Havre de Grace, Jarrettsville, Joppa, Kingsville, Magnolia, Monkton,
Perryman, Pylesville, Street, Whiteford, Whitehall

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