The Importance of Auto Insurance for a New Teen Driver

It’s an exciting milestone when your teenager gets their driver’s license. While this newfound independence brings freedom for teens and parents, it also comes with significant responsibilities—including maintaining auto insurance coverage.

Legal Requirements in Oklahoma

Oklahoma state law requires all drivers to carry minimum liability insurance. For teen drivers, these requirements are particularly important as they’re statistically more likely to be involved in accidents.  However, these minimums may not provide adequate coverage. It is best to consult and work with an insurance professional who can properly assess your family’s needs.

Why Teens Need Robust Coverage

Young drivers between 16 and 19 years old are nearly three times more likely to be in a fatal crash compared to drivers 20 and older. In Oklahoma City’s busy traffic conditions, this risk can be even higher. Beyond the legal minimums, parents should consider additional coverage including collision, comprehensive and uninsured motorist protection. These options can provide coverage for your teen’s vehicle.

Insurance Costs for Teen Drivers

Adding a teen to your auto policy will likely increase your premium. However, there are several ways Oklahoma families can manage these costs:

• Good student discounts for teens maintaining a B average or better

• Driver’s education course completion discounts

• Technology-based monitoring programs that reward safe driving habits

• Assigning your teen to your family’s older, less expensive vehicle

Building Responsibility

Auto insurance isn’t just about fulfilling your financial duty—it’s also an opportunity to teach teens about responsibility. Involving your teenager in understanding their coverage, the costs involved and how their driving behavior affects your family’s premiums creates valuable life lessons about accountability.

Learn More

Contact Action Plus Insurance today to discuss the coverage options for your Oklahoma City teen driver. Our agents understand the unique needs of young drivers and can help customize the insurance plan you both need.

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.