The Reality of Insuring Teen Drivers
Let's be honest: adding a teen driver to your policy will increase your premium. Insurance companies see new drivers as higher risk, and statistically, they're right. But there are ways to manage the cost while making sure your teen has the protection they need.
Discounts for Teen Drivers
We'll make sure you get every discount available:
Good Student Discount
Maintain a B average or better? That can save you 10-25% on your teen's portion of the premium. We'll need a report card or transcript to verify. This applies to high school and college students under 25.
Driver's Education Discount
Completing a state-approved driver's ed course shows responsibility and can reduce your rate. Many WNC high schools offer these programs. Make sure your teen understands North Carolina's graduated licensing requirements—there are restrictions on passengers and nighttime driving that affect new drivers.
Drivewise® Program
Allstate's Drivewise program monitors driving habits through an app. Safe driving can earn additional discounts—and it's a great way to encourage good habits in new drivers.
Distant Student Discount
If your teen goes to college more than 100 miles away and doesn't take a car, you may qualify for a discount since they won't be driving your vehicles regularly.
Coverage Considerations for Teen Drivers
When your teen starts driving, consider:
- Higher liability limits — If your teen causes an accident, you want adequate protection
- Comprehensive coverage — Especially important on mountain roads with deer, weather, and fallen trees
- Collision coverage — New drivers are more likely to have fender benders
- Uninsured motorist — Protects your teen if hit by someone without insurance
Tips for Parents
- Add them to your policy — Usually cheaper than a separate policy
- Consider the vehicle — Insuring a teen on an older, safer car costs less than a new sports car
- Set expectations — Make sure they understand the responsibility (and cost) of driving
- Practice together — Especially on mountain roads like Soco, 107, and the Parkway
Mountain Driving for New Drivers
Western NC roads require extra skills. Before letting your teen drive solo, make sure they're comfortable with:
- Steep grades and switchbacks
- Sharing the road with trucks on two-lanes
- Reduced visibility in fog and rain
- Deer and wildlife, especially at dawn/dusk
- Winter conditions—ice, snow, and black ice on bridges