The 5 Basics of Insuring Your Teen Driver

Getting a driver’s license is one of life’s milestones. But insuring a new driver can be expensive. Here are five things you can do to keep your premiums as low as possible and your teen accident-free.

  1. Add Your Teen to Your Auto Policy- Rather than setting up an independent policy for your teen driver, consider adding him or her as an additional driver on your auto insurance policy. Also, if you have more than one vehicle, keep costs down by designating which vehicle your child will be driving.
  2. Deductible Considerations- Auto deductibles typically range from $250 to $1,000. By upping your deductible and using your insurance for big repairs, you can significantly reduce your premium.
  3. Ask for the Student Discount- If your teenager maintains at least a 3.0 grade point average (GPA), he or she generally qualifies for a rate discount.
  4. Weigh Your Buying Decision- Wanting to get your teenager a new car to drive with the latest safety equipment is understandable, but in terms of insurance premium costs, you may be better off purchasing a safe, used vehicle.
  5. Set Firm Expectations for Safety and Minimize Distracted Driving- Teens can get distracted easily. To help reduce potential accidents:
  • Restrict your teen’s nighttime driving
  • Do not allow your teen to drive with more than one other person in the car
  • Ban cell phone use while driving
  • Ride with your son or daughter occasionally to make sure they are keeping up with the safety habits that they learned in driver’s education class

Have a question? Get an answer. At EHD, our insurance professionals are experts at helping you find the best coverage at the lowest cost. Learn more at or call us toll-free 1-800-544-7292.


Commercial Insurance:
Contact: Jim Lewis

Employee Benefit Services:
Contact: Scott Radcliffe

Personal Insurance:
Contact: Kristy L. Gergal

EHD Surety:


1857 William Penn Way
PO Box 11600
Lancaster, PA 17605

Fax: 717-394-0842

Contact: Jon Miles

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