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Car insurance for teens

You could save 12% when you buy customized car insurance online.1
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Affordable car insurance, customized for your teen.

At Liberty Mutual, we make it easy for teens and young drivers under 25 to get affordable car insurance We've been doing it since 1912. We offer several discounts for teens and will help you understand the best coverages for new drivers. See how our discounts can stack up with a fast and easy auto quote.

The best car insurance discounts for teens and new drivers under 25

These are just some of the discounts teenage drivers may qualify for.

New Teen Driver Discount

Offers a discount when you add a new teenage driver to your policy within the past year.2

Teen Driving Program Discount

Discount given to drivers under the age of 21 for completing a qualified program.2

Good Student Discount

Provides a discount to students under the age of 25 that achieve at least a B average.2

Frequently asked questions about teen drivers and car insurance

To help guide you and your young driver, we've gathered some common questions and answers about car insurance for teens.

What types of car insurance coverages are best for teens?

Liability Coverage is required in most states with minimums set by state. This is what pays for damages to another person's property and/or injuries if you're at fault for an accident. As for optional coverages, it's important to know if your car is leased or financed. If so, many lenders require other coverages like Collision and Comprehensive.

Either way, teen drivers can benefit from higher liability limits and Collision Coverage. As accidents can be more likely for inexperienced drivers, added protection is nice.

Another optional coverage to think about is 24-Hour Roadside Assistance Coverage.3 This can help give teens and parents peace of mind with help for flat tires, dead batteries, running out of gas, getting locked out of the car, and towing.

Do I have to add my teenager to my car insurance policy?

No, but adding a teenage driver to an existing policy of a parent or guardian may be a more cost-effective option. However, if a parent or guardian has tickets or other serious driving offenses, it may be cheaper for a teen driver to get their own policy. The best way to figure out if adding your teenage driver is a good idea, is to get a quote.

You can easily add a teen driver to your Liberty Mutual policy in your online account. For a new car insurance policy for your teenage or under 25 driver, you can start your free quote today.

When will my teenager's car insurance rate decrease?

For teen drivers, car insurance typically goes down incrementally for each year of driving. In most cases, this is until age 25–assuming they have a good driving record. Check with your insurance company to find out when your teen driver's rates are expected to decrease.

Download our app - the easiest way to manage your policy

QR code for mobile app
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Open the camera on your phone, hold it up to the QR code, and tap the link to download.

Access your ID cards4

Save them right to your device for proof of Insurance.

Pay and manage bills

Quickly pay bills, enroll in Autopay, and update billing preferences.

File and track claims

File a claim in minutes and request Roadside Assistance when you need it.
  • Access your ID cards4
  • Pay and manage bills
  • File and track claims
  • ...and more!

Does Liberty Mutual have any other programs or discounts teens can benefit from?

Yes! With our RightTrack®5 program, we'll reward your teen for good driving behavior and could save you up to 30%. You'll keep this discount for the life of your auto policy. RightTrack provides feedback to your teen driver, helps them improve their driving habits, and encourages safe driving behaviors.

We even guarantee a discount just for participating! Also, if your teen driver has a GPA of B or better, our Good Student Discount can help you save even more money.2

What if my teen is away at school and doesn't drive much?

Just let us know! Our Student-Away-At School Discount gives you a discount if your teen driver is away at school and only occasionally drives your car.2

Begin your free online quote


Ready for a quote?

Want to learn more about teen driving and insurance? We can help.

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1NOT AVAILABLE IN CA, NY, HI, MT, WY, ND, SD, AK, NC. Discount amount varies by state and reflects average savings as applied to certain auto coverages.
2Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only. To the extent permitted by law, applicants are individually underwritten; not all applicants may qualify.
3Coverage is provided on the optional Towing & Labor Coverage endorsement. May vary by state. Applies to mechanical breakdowns and disablements only, and may be subject to limits.
4Insurance ID cards are permitted in most states; however, some states do not permit the use of Mobile Insurance ID cards as proof of insurance.
5The RightTrack® discount applies only to the base coverages on the participating vehicle, which may include Bodily Injury, Property Damage, Comprehensive, Collision, Personal Injury Protection (PIP) or Medical Payments, Uninsured Motorist, and Underinsured Motorist (subject to state availability), and excludes fixed expenses (where applicable). Initial discount may vary by state and is replaced with a final discount upon completion of a review period. Not available in all states. Coverage provided and underwritten by Liberty Mutual Insurance Company or its subsidiaries or affiliates, 175 Berkeley Street, Boston, MA 02116. © 2022 Liberty Mutual Insurance.