Do I Need Separate Policies When Teens Start Driving? 

When your teenager is ready to get behind the wheel, it’s natural to have questions about the best way to handle car insurance. Louisiana law requires all drivers, including teens, to carry minimum liability coverage. Before your teen starts driving, make sure your policy meets state requirements and consider whether additional coverage, such as collision and comprehensive, is appropriate for your situation.

Adding a Teen Driver to Your Existing Policy

For most Louisiana families, adding your teen to your current auto insurance policy is the most cost-effective approach. Insurers generally require that all licensed drivers in your household be listed on your policy, including teenagers. Adding your teen may increase your premium, as young drivers are considered higher risk, but it often costs less than purchasing a separate policy.

Benefits of adding your teen to your policy:

• Streamlined coverage for all household drivers
• Access to multi-car or multi-driver discounts
• Easier management of renewals and payments

When Might a Separate Policy Be Needed?

In some cases, you may consider a separate car insurance policy for your teen if they are over 18. A separate policy may make sense if they don’t live with you or have moving violations or at-fault accidents on their record.

Separate policies for teens are typically more expensive and may not offer the same discounts as a family policy. Your agent can help evaluate options and determine how best to insure your teen driver.

Contact Us

Bill Caldwell Insurance Services LLC is here to help Louisiana families understand their options and find the right coverage. Have questions about adding your teen to your policy or need a quote? Contact us today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.