Am I Required to Add My Teen Driver to My Insurance? 

When your teen driver reaches driving age, a new set of considerations for your auto insurance is introduced. Many parents wonder whether they must add their teen driver to their policy.

The agents at Wilcox Family Insurance Company can help determine whether to add your teen to your auto insurance policy or initiate a separate policy to help provide financial protection.

Understanding Insurance Requirements for Teen Drivers

Insurance companies may require that all licensed drivers in your household be listed on your auto insurance policy. This includes teen drivers. Failing to disclose all drivers could result in denied claims or policy cancellation. However, teen drivers are considered high risk due to inexperience, affecting auto insurance premiums.

You may be able to get a stand-alone policy that insures your teen to drive a specific vehicle while excluding them from coverage on other vehicles you own. Your agent can help you understand the options.

Does a Teen Driver With a Driving Permit Need Auto Insurance?

In Florida, teens with a driving permit do not need to have a separate car insurance policy, but they should be covered under their parent’s or guardian’s auto insurance policy. When a teenager learns to drive using a learner’s permit, the insurance coverage typically extends to the teen driver from the parent’s or guardian’s policy. Parents must inform their insurance provider when their teen obtains a learner’s permit to ensure proper coverage.

Is Car Insurance Required in Florida?

Yes, car insurance is required in Florida. All drivers must carry a minimum amount of auto insurance. Specifically, drivers must have property damage liability (PDL) coverage and personal injury protection (PIP) coverage that meets the state’s minimum required limits. These requirements are in place to ensure that drivers have some level of financial protection in the event of an accident, regardless of who is at fault.

Florida minimum insurance requirements may not provide appropriate protection for your situation. If you lease or finance your teen’s vehicle, the lienholder may require physical damage insurance, including comprehensive and collision coverage. You may also want uninsured/underinsured motorist coverage to help pay for damage to your vehicle after an accident with a driver who does not have adequate auto insurance coverage.

Contact Us

For personalized advice and to explore your options regarding teen drivers and auto insurance, contact Wilcox Family Insurance Company 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.