Adding a Teen Driver in Washington: Costs, Discounts and Coverage

Adding a newly licensed teen to your auto policy usually raises the premium significantly, because young drivers have higher accident rates. You generally need to list licensed household members, and good student discounts, driver training, telematics and choosing the right car can all help.

When to call your agent

Call when your teen gets a learner’s permit and again before they are licensed. Some carriers want permit drivers listed, others do not. Either way, you want coverage in place before the first solo drive.

Ways to lower the cost

• Good student discount: often available for a B average or better
• Driver training: completing a state-approved driver education course
• Telematics programs: apps or devices that reward safe driving
• Vehicle choice: a safe, older, mid-size car usually costs far less to insure than a new or sporty one
• Away at school: students attending college more than a set distance away without a car may qualify for a discount
• Shop around: teen pricing varies widely between companies

Do not lower liability limits

It is tempting to cut coverage to offset the increase, but a teen driver also raises the chance of a serious claim. This is exactly the time to keep strong liability limits and consider a personal umbrella.

Washington driver rules to know

Washington’s intermediate license rules limit passengers and nighttime driving for newly licensed teens for a period of time. Following them is about safety first, and it also helps keep the driving record clean.

Read more on our auto insurance page or call (425) 555-0100 to compare options.