2. Can my insurance company force me to add my teen to my policy even though I don't allow him or her to drive yet?
"Yes," says Gusner. "Most car insurance carriers require you to list all licensed members of your household on the policy.”
Rich Webber, co-owner of Webber & Grinnell Insurance in Northampton, Mass., agrees. "In Massachusetts, if you have a newly licensed teen living in the household, then you have to list them,” he says. “But you don't have to list them if they're not going to be driving your car, their own vehicle, or any car whatsoever."
Because rules can vary by state or insurer, contact your insurance company or agent to learn the requirements.
Pages in this slideshow:
- Top reader questions about insurance for teen drivers
- 1. When do I have to add my teen to my insurance -- when he or she gets a learner's permit, or a driver's license?
- 2. Can my insurance company force me to add my teen to my policy even though I don't allow him or her to drive yet?
- 3. Is it cheaper to put my teen on his or her own policy, or on the family policy?
- 4. If my teen isn't on my insurance and crashes the car, is the damage covered?
- 5. When do auto insurance rates for teens start to go down?
- 6. How can I minimize the insurance costs of a teen driver?
- 7. How much will my rates go up if my teen crashes or gets tickets?
- 8. Will the type of car my teen driver uses affect my premiums?