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Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Required in nearly every state, liability covers damage your teen causes to others. Most states require minimum limits of $25,000–$50,000 per person, but parents often increase these to $100,000/$300,000 to protect household assets from lawsuits after at-fault teen accidents.
Full Coverage
Combines liability, collision, and comprehensive coverage for complete protection. Makes financial sense for teens driving newer vehicles worth more than $5,000–$10,000, but may cost more than the vehicle's value for older cars driven by high-risk young drivers.
Collision Coverage
Pays to repair your teen's car after an accident regardless of fault, minus your deductible. Setting a $1,000 deductible instead of $500 can reduce premiums by 15–30%, a worthwhile trade-off for parents who can cover minor repairs out-of-pocket.
Uninsured Motorist Coverage
Protects your teen if hit by a driver with no insurance, common in states where 10–25% of drivers are uninsured. Mandatory in 20+ states and typically adds only $50–$150 annually to teen driver policies.
Comprehensive Coverage
Covers theft, vandalism, weather damage, and animal strikes to your teen's vehicle. Usually costs less than collision coverage and is worth keeping even on older cars in areas with high rates of vehicle theft or severe weather.
SR-22 Insurance
Required certificate for teen drivers after serious violations like DUI, reckless driving, or driving without insurance. Typically increases already-high teen premiums by another 50–80% and must be maintained for 3 years in most states.
