Adding a Teen Driver to Your Auto Insurance in Tennessee
Adding a teenager to your auto insurance policy is one of the most significant rate changes most families face. Youthful drivers are statistically the highest-risk group on the road, and insurance companies price accordingly. The good news is that there are real ways to manage the cost — especially with Erie Insurance.
Erie YourTurn® — Rewards for Teen Drivers
Erie’s YourTurn safe-driving program is one of the best tools available for families with teen drivers. Through a smartphone app, your teen’s driving is monitored for safe behaviors like smooth braking, safe speeds, and phone-free driving. Teens ages 16 to 23 can earn up to $260 per year in rewards. There is no penalty for opting in — the program can only help your rate, never hurt it.
Tips to Lower Teen Driver Insurance Costs
- Good student discount — Most carriers offer a discount for students with a B average or better. Erie and Progressive both offer this.
- Driver education credit — Completing an approved driver’s education course can qualify your teen for an additional discount.
- Choose the right vehicle — Older, safer sedans cost much less to insure than new sports cars or SUVs. We can tell you the insurance cost of a vehicle before your teen buys it.
- Higher deductibles on older vehicles — If your teen drives an older car, consider higher collision and comprehensive deductibles to lower the premium.
- Enroll in YourTurn — The rewards add up, and the driving feedback helps your teen develop better habits.
Frequently Asked Questions
When do I need to add my teen to my auto insurance?
In Tennessee, you should add your teen driver to your auto policy when they get their learner’s permit. Most carriers provide automatic coverage during the permit phase, but adding them formally ensures there are no gaps.
How much does it cost to add a teen driver?
The cost varies significantly based on your teen’s age, the vehicle they drive, and your existing policy. On average, adding a teen driver increases a family’s auto premium by 50 to 100 percent. We shop Erie and Progressive to find the most competitive rate for your situation.
Does my teen need their own policy?
In most cases, no. Adding your teen to your existing family policy is significantly cheaper than a separate policy. We can review both options and show you the numbers.