Car insurance for teens
Affordable car insurance, customized for your teen.
At Liberty Mutual, we make it easy for teens and young drivers under 25 to get affordable car insurance We’ve been doing it since 1912. In fact, Motor12 ranked Liberty Mutual as the #1 car insurance carrier for teen drivers, offering the best coverage, rates, discounts, and safe driving programs. See why we’re ranked #1 with a fast and easy auto quote.
The best car insurance discounts for teens and new drivers under 25Our Teen Driver Discounts are one reason why Motor1 named Liberty Mutual the best car insurance company for teenage drivers.
New Teen Driver Discount
Teen Driving Program Discount
Good Student Discount
Frequently asked questions about teen drivers and car insuranceTo help guide you and your young driver, we’ve gathered some common questions and answers about car insurance for teens.
What types of car insurance coverages are best for teens?
Liability Coverage is required in most states with minimums set by state. This is what pays for damages to another person’s property and/or injuries if you’re at fault for an accident. As for optional coverages, it’s important to know if your car is leased or financed. If so, many lenders require other coverages like Collision and Comprehensive.
Either way, teen drivers can benefit from higher liability limits and Collision Coverage. As accidents can be more likely for inexperienced drivers, added protection is nice.
Another optional coverage to think about is 24-Hour Roadside Assistance Coverage.4 This can help give teens and parents peace of mind with help for flat tires, dead batteries, running out of gas, getting locked out of the car, and towing.
Do I have to add my teenager to my car insurance policy?
No, but adding a teenage driver to an existing policy of a parent or guardian may be a more cost-effective option. However, if a parent or guardian has tickets or other serious driving offenses, it may be cheaper for a teen driver to get their own policy. The best way to figure out if adding your teenage driver is a good idea, is to get a quote.
When will my teenager’s car insurance rate decrease?
For teen drivers, car insurance typically goes down incrementally for each year of driving. In most cases, this is until age 25–assuming they have a good driving record. Check with your insurance company to find out when your teen driver’s rates are expected to decrease.
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Does Liberty Mutual have any other programs or discounts teens can benefit from?
Yes! With our RightTrack®6 program, we’ll reward your teen for good driving behavior and could save you up to 30%. You’ll keep this discount for the life of your auto policy. RightTrack provides feedback to your teen driver, helps them improve their driving habits, and encourages safe driving behaviors.
We even guarantee a discount just for participating! Also, if your teen driver has a GPA of B or better, our Good Student Discount can help you save even more money.3
What if my teen is away at school and doesn’t drive much?
Just let us know! Our Student-Away-At School Discount gives you a discount if your teen driver is away at school and only occasionally drives your car.3