Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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occasional teen driver

Many parents may ask “do you have to get car insurance on your kid?” Even if your child only drives occasionally, you still need to add him or her to your auto insurance policy if he or she still lives at home, even for part of year.

Your insurer will want all licensed drivers in your household listed and appropriately accounted for by you premium rates. Not doing so puts you at risk of being guilty of fraud or having claims caused by your child denied.

Bear in mind, that a new driver can have differing effects on your car insurance dates depending on a variety of factors.

Read on to learn about some of these factors and then to find the cheapest rates just enter your ZIP above for FREE insurance quotes!

Location, Children, & Auto Insurance Costs

The impact your child will have on your auto insurance policy depends significantly on where he spends most of his time. If your child lives at home full-time, you must list him on your insurance and your premium will be higher. It is all about access; if a driver lives in the same household he or she is likely to have somewhat regular access to the vehicle. Make certain they are listed on the policy on your declarations page.

If he or she is in school away from home and does not have a vehicle with them, it is a good idea to make sure that your insurer knows this, as it will likely save you a significant amount of money. If your child only comes home from school and uses your car very rarely, some companies may even allow you to put him or her on the policy for those days and charge you accordingly.

Find out all of your options – enter your zip code for free online car insurance quotes!

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Factors That Impact Cost of Adding Your Child to Your Policy

A variety of factors about every driver in your household will be taken into consideration when determining the rates for your car insurance. The impact of a new driver on car insurance costs may be higher than you think. Companies look at things such as age, gender, marital status and driving record for each person who may use the vehicle in question. The annual cost is most likely to reflect the premium that would be charged for the driver considered to be highest risk.

The younger the driver, the higher the premium will be.

adding teen driver to insurance

Breaks in car insurance prices start at age 25, although some companies may charge progressively lower rates each year a young driver maintains a spotless driving record. Males are more expensive to insure than females. Married drivers have lower premiums than singles. A less than stellar driving record is bad news for any driver’s insurance; but for a young driver, it really sends premiums through the roof.

Managing the Cost of Adding Your Child to Your Auto Insurance

When you add a child to your car insurance policy it is more important than ever to make sure you have all the discounts possible in order to save money. Be sure to ask your insurance company if you have the maximum discounts you qualify for.

Some of the more common ones are for things such as: low annual mileage, factory-installed safety devices, anti-theft systems, being a member of certain groups, insuring multiple cars on one policy, carrying more than one type of insurance with the same company, certain payment options, no claims within a specified period and good student discounts.

If you find that your policy is just too expensive, it is time to shop around for a better price.

In fact, every year before renewal you should shop around to compare prices for your car insurance needs. Each company offers slightly different prices and discounts, and there can be significant fluctuations from year to year.

car insurance for teens

In order to shop around most effectively, put an online auto insurance quote tool to work for you. By entering your zip code into a free quote tool, you then answer questions relating to your insurance needs, the drivers in your household and the vehicles you own. The tool then submits your information to a variety of different companies serving the area in which you live. Before you know it, you will have multiple quotes to compare and contrast.

As a part of the comparison process, be sure to look beyond the price. You should also check out the customer service record of any company you are planning to buy insurance from. You can do so by contacting your state department of insurance or by doing an online search for the information. Also, check out the company’s financial stability by learning their rating from any of the independent insurance ratings organizations, like A.M. Best or Moody’s.

Get started now using our FREE car insurance quote tool to find the best price when adding your child to your auto insurance policy!