Adding a teen driver to your auto insurance policy isn’t just a milestone—it’s a financial reality check. Teen drivers are considered high risk, which means higher premiums. But with the right steps and the right insurer, you can keep costs in check while protecting your family on the road.
Step 1: Don’t Wait—Notify Your Insurer Early
The moment your teen gets their learner’s permit, let your insurance provider know. Some companies offer coverage at no extra charge while your teen is driving with a licensed adult. But once they get a license, rates jump—sometimes by as much as 100% or more.
At Preferred Insurance Agency, we make sure you’re ahead of the curve. We help families understand exactly when to update their policy so there are no gaps in coverage.
Step 2: Compare Quotes—Not All Carriers Are Equal
When it comes to insuring teen drivers, Progressive and GEICO consistently offer some of the most competitive rates. Why?
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Progressive has usage-based insurance options like Snapshot, which reward safe driving with discounts—perfect for cautious new drivers.
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GEICO offers strong discounts for good students, safe driving, and even driver education courses.
We shop these and other top-rated carriers to find the best deal based on your teen’s profile and driving habits.
Step 3: Look for Teen-Friendly Discounts
Insurance companies know teens are expensive to cover, so they offer targeted discounts to help reduce premiums. Some of the most valuable include:
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Good Student Discounts (usually for a B average or better)
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Driver’s Ed or Defensive Driving Course Discounts
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Multi-Policy Discounts (bundling auto with home or renters insurance)
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Safe Driving Apps that track behavior and reward caution behind the wheel
Preferred Insurance Agency knows where to find these discounts and how to stack them.
Step 4: Consider the Car They’re Driving
That old SUV might feel safer, but it could be costing you more. Teens are usually cheaper to insure when they’re driving a:
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Mid-size sedan
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Used car with high safety ratings
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Vehicle without performance modifications
We’ll help you run the numbers before making a vehicle decision that impacts your premium.
Step 5: Review Your Coverage Limits
Teen drivers increase your liability risk. Now’s the time to review your coverage limits. We often recommend higher liability limits and sometimes an umbrella policy to make sure you’re fully protected.
Protect Your Teen, Protect Your Wallet
Getting insurance for a teen driver doesn’t have to be a budget-buster. At Preferred Insurance Agency, we do the heavy lifting—comparing top insurers like Progressive and GEICO, unlocking discounts, and building smart coverage that fits your family’s needs.
Let’s get your teen safely—and affordably—on the road.
📞 Call us or get a quote today!
401 King St.
La Crosse, WI 54601
Filed Under: Auto Insurance, Car Insurance | Tagged With: #geico, #goodstudentdiscount, #lacrosse, #savings, #teen, #TeenDriverInsurance, progressive