Adding a Teen Driver to Your Personal Auto Policy: What Illinois Families Need to Know 

Many Illinois families add their teen driver to their auto policy to comply with state requirements, consolidate insurance accounts and save on costs. Real Auto Insurance Agency Inc. can help make this process as smooth as possible. We’ll assess your situation and recommend suitable coverage.

Understanding the Process

When your teen earns their driver’s license or permit, it’s important to notify your insurance provider as soon as possible. In Illinois, most insurers require you to add any licensed household member to your policy, including teens. Our team can help review your current coverage and guide you through the steps.

How Adding a Teen Driver May Affect Your Policy

Adding a teen driver often increases your premium, as young drivers are considered higher risk due to their limited experience. Factors that can influence the cost include:

• Your teen’s driving record (if applicable)
• The type of vehicle they’ll be driving
• The coverage limits and deductibles you choose
• Whether your teen qualifies for good student or safe driver discounts

Safety Tips for Teen Drivers

Keeping your teen safe on the road is a top priority. Consider these tips:

• Set clear rules about distracted driving, speeding and seat belt use.
• Encourage participation in driver education programs.
• Discuss the significance of safe driving habits and the repercussions of risky behavior.
• Review Illinois’ Graduated Driver Licensing (GDL) laws with your teen.

Get Started

Real Auto Insurance Agency Inc. is here to help you add a teen driver to your policy or answer questions about auto insurance. Contact our team today.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.