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Car Insurance for Teenagers: Get the Facts and Some Peace of Mind
Published: Friday, April 16, 2010

By: Micah Moon

Getting a license is a thrilling moment for a teenager. However, some parents may cringe at the thought of collisions and skyrocketing car insurance costs. But this doesn’t have to be the case. By taking the necessary steps, you can create a safer environment for your new driver and find quality teen car insurance that doesn’t break the bank.


Benefits of the right teen car insurance

When looking for car insurance for new drivers in your household, there are a few things to keep in mind, especially if you’re concerned with affordability.


Discounts & deals

·         Good student discount – You could save up to 15 percent each month when your teen maintains a B average or above. Encourage your student to keep up on his or her studies if she wants driving privileges.

·         Multi-car discount – Insure your car and your teen’s on a policy together and get up to a 20 percent discount. Even if you want your child to learn the responsibility of paying for his or her own insurance, it will save you money if you get a joint policy and ask for the payment every month instead.

·         Accident prevention or defensive driver discount – If your child successfully completes a motor vehicle accident prevention course approved by your state’s Department of Motor Vehicles, you may also be eligible for a teen car insurance discount. This is a great way to prepare your new driver for all the various roadside scenarios. 

   teenSMART® gives parents an easy to follow in-car training program that levels the playing field for parents and teens. It takes the pain out of teaching your teen to drive. It's fun, engaging and meaningful for teens and parents. Think of it as a booster shot for crash reduction.  Major insurance companies offer substantial discounts for teens who pass the teenSMART® Certification -- discounts that may save you far more than the cost of the teenSMART® training program. Learn more.


Safety & education

·         Online training tools – Take advantage of various online, interactive tools that provide learning sessions and tests to help keep teen drivers educated and safe. SmartRide® by Nationwide ( is just one example of a useful online resource, but there are many from which you or your teen can choose.

·         Roadside Assistance – Prepare for the unexpected by getting some kind of roadside assistance before your teen gets behind the wheel. You can purchase a roadside assistance program through a local dealership or in conjunction with your auto insurance policy.

          Accident Forgiveness – Many car insurance companies offer accident forgiveness. At Nationwide Insurance® your rates won’t go up after your teen’s first at-fault accident with accident forgiveness, removing at least one worry if the unfortunate occurs.


Whether you’re eager or anxious about your teen’s impending license, make sure you have the insurance protection to increase peace of mind. It’s also easy to get online and find the best car insurance for young drivers.

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