Reader question:

I know teen driver liability insurance rates are high, so can I just not get my teen insurance?

Kim

Not an option, Kim.

The single thing that makes parents think twice before allowing their kids to stick the key in the ignition is the high teen driver liability insurance rates. For teenage girls, these rates are exceedingly high, at around 50% more than what your own average rate should be. For boys, it’s even worse, with as much as double the adult rate. This disparity drops off when they’re older, but since you’re the one footing the bill now, it doesn’t do you any good, does it?

There are two reasons, though, why parents should just accept the (lowest) teen driver liability insurance rates they can find, anyhow.

• First of all, your car insurance company won’t believe that your teenager isn’t driving no matter how much you insist this is the case. If there is a teen in your house, they will have to be on your policy, because on the near certainty that they will drive your car against your wishes, and the possibility that they will get into an accident, your company might not pay your claim.
• Second of all, your teen needs the experience. The fastest way to low teen driver liability insurance rates is to build a good driving record, and that can help you as well.

take care,

Fashun