In many states teenagers can receive their drivers license at age 16 once they have passed a written test as well as a driving test. At this point you will need to look into auto insurance for your new driver. Many auto insurers such as Progressive and Acceptance Insurance offer policies to these young drivers, but rates may be higher and if you add the driver onto your existing policy you can expect to see your premium increase, in some cases relatively drastically.
You can see your auto insurance rates come down over the years with your teen on your policy by encouraging good grades which can earn discounts and demanding safe driving habits. The Department of Motor Vehicles in various states offer teen driving education from everything like passing the written test to the importance of never drinking and driving. There are online tools for your Internet savvy teen to browse articles and online quizzes to help educate your child on safety guidelines on the road.
Many auto insurance companies also offer online programs for teens. USAA Auto Insurance explains to your student how to buy a car as well as how to handle distractions while driving. State Farm has launched a unique campaign called “Not Now, I’m Driving” (NNID) which has teen-friendly YouTube videos and messages from famous actors sending the message about the importance of never texting while driving. Allstate and Geico also have programs geared towards making your teen a safer driver which will hopefully save lives and as a nice perk, hopefully facilitate lower auto insurance rates for you over time.