A woman seen from behind, wearing a beige sweater, jeans and a brown shoulder bag, walks through a dimly lit concrete parking garage holding keys, beside a dark SUV.

Collision Coverage for Teen Drivers & Parents

Collision Coverage pays to repair or replace your car after an accident, regardless of who's at fault.

What Is Collision Coverage Insurance?

Collision Coverage pays to repair or replace your vehicle after it hits another car, object, or rolls over—regardless of who caused the accident. When your 17-year-old backs into a mailbox, slides into a curb during their first winter, or rear-ends another car at a stoplight, Collision Coverage pays for the damage to your vehicle minus your deductible. This is particularly valuable for teen drivers because it covers the most common types of accidents new drivers cause: single-vehicle crashes, parking lot collisions, and misjudged turns. The coverage applies whether your teen is the listed driver or an occasional driver on your policy.

Driver's-eye view of two hands gripping a car steering wheel at night, with the illuminated instrument cluster visible and blurred street and vehicle lights through the windshield.

Who Needs Collision Coverage Insurance?

Given that teen drivers are three times more likely to be involved in a crash during their first year of driving, Collision Coverage provides important financial protection even on moderately-valued vehicles. The coverage is particularly important during the first 1–2 years of independent driving when accident risk is highest.

Always keep Collision Coverage on financed vehicles (required), newer cars, and vehicles you couldn't afford to replace—the peace of mind is worth the cost given teen accident rates.

How Much Does Collision Coverage Insurance Cost?

Vehicle value and age—a 2022 Honda Accord costs more to insure than a 2012 model because repair/replacement costs are higher

Related Coverage Types

A bearded man in a dark denim shirt sits at a wooden desk using a laptop, with a black mug, papers and a notebook with a pen nearby, a lamp and shelves behind him, and a window showing a sunset.

Liability Insurance→

A man in a dark hoodie and quilted vest sits in a vehicle's driver seat, looking down while fastening the seat belt buckle, with a steering wheel at right and trees and a house visible through the windows.

Full Coverage→

A woman with shoulder-length wavy blonde hair in a green jacket sits in the driver's seat of a parked car, holding a phone to her ear, seen through the windshield.

Uninsured Motorist Coverage→

A woman with long wavy brown hair sits in the driver's seat of a parked car, holding a phone to her ear and looking out the side window, seen through the windshield.

Medical Payments Coverage→

A woman in a beige sweater, dark skinny jeans, and tan ankle boots carries a tan shoulder bag while walking across a wet parking lot at night, with a dark SUV, lit trees, and a building in the background.

Find the Right Policy for Your Teen

Compare Teen Driver Insurance Rates