When should I add my newly licensed teen driver to my Auto Insurance policy?

Having a new teen driver in the house is an exciting time—another driver to run errands or pick up siblings is handy for parents. And the new-found freedom for teens cannot be denied. The first question many of our clients ask is when do I add my teenager to our Auto Insurance policy. The short answer is once they obtain their Probationary Driver’s License. But here are a few tips during this transitional time.

Your teen can be issued a Learner’s Permit at 15 years old if he or she is enrolled in a driver’s education course. At 16, he or she can apply for a learner’s permit without being enrolled in a driver’s education course. We recommend making a copy or snapping a picture of the Learner’s Permit once it is issued. This document uses what will become your child’s Indiana Driver’s License Number (DLN) which is a main component of adding him or her to your policy.

Once your teen has successfully completed an approved driver education program, and is 16-years and 90-days-old, he or she may obtain a Probationary Driver’s License. If your teen did not complete an approved driver education program, he or she must be at least 16-years and 270-days-old (approximately 16 years and nine months) to obtain a probationary driver’s license, if he or she otherwise qualifies.

Once that exciting day arrives and your student has his or her Probationary Driver’s License, call us at St. Joseph Agency at 317-564-4949 with the DLN number and we can add your student to your policy. We will also need the student’s birthdate and identify which car he or she will be driving. At that point, you have a licensed and insured driver in your home!