When do we add our youthful driver to our auto policy?

Most companies want you to add your youthful driver to your auto policy when they get their learners permit.

It depends upon the company whether they are “rated” on the policy at that time, or, just “listed” on the policy.  I would say the best thing to do is contact your agent and they will let you know what your company requires.

You need to make sure you are compliant with what your insurance provider requires because you don’t want to get in a situation where you have a claim denied.

You will probably get sticker shock when you have your youthful driver rated on your policy because it is not cheap.  The reason companies charge so much for youthful drivers is because of the statistics.  83% of youthful drivers between the ages of 16-23 will have some kind of claim.  This number has increased a lot over the last few years because of texting while driving and other distractions.

Ways to reduce the cost of youthful drivers include making sure they keep at least a B average or 3.0 grade point average, get them an older vehicle that will not need full coverage.