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Adding a Young Driver to Your Texas Auto Policy

A Teenage boy and new driver behind wheel of his car

Teen Driving Preparation

Starting long before your teen or college student receives a driver’s license, demonstrate the kind of safe driving behaviors you will expect, including never driving while distracted. Adding a young driver to your Texas auto policy can be a disruptive event for the family. Younger drivers are inexperienced behind the wheel and more susceptible to distraction when driving.

Some of our companies offers discounts that incentivize safety with driver education and provide opportunities to save on your auto insurance quote and premiums.

Good student – Clients with youthful drivers that can provide certification of good grades and certain scholastic achievements may qualify for a good student discount.

Distant student – If your child is a resident student at an educational institution over 100 miles away from home and without a car you can qualify for a distant driver discount
Driver training – Customers with drivers under age 21 who complete a driver education course may qualify for a driver training discount.

Telematics program – is an excellent driver coaching tool that can offer an opportunity for significant premium savings. Parents and their teens are provided feedback on driving practices via an online portal, allowing for improved driving behavior, and the ability to earn a discount on their Auto policy after a participation period.

New Teen Tenure Reward – The New Teen Discount, clients that have been with Safeco for more than one year earn a substantial price break when adding a teen to their policy. Note there is a required policy tenure of two or more years.

Parents and teens can prepare for the road ahead with tips about learning to drive, obtaining a license, practice driving in variable weather conditions, discuss what to do in an accident and more. Create a parent-teen contract that helps set clear expectations, rules and responsibilities before your teens get behind the wheel.

Ask your agent to go over options, review discounts, programs and go over your specific auto insurance policy options.
Be a good role model. Remember that your child looks to you as a driver, so practice safe driving yourself.

Young driver resources to help your family plan and prepare at home:

  • nsc.org
  • nhtsa.gov
About the author

Riley Britton

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Contact Us in Austin
Britton and Britton Insurance
2028 E. Ben White Blvd
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Austin, TX 78741
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9901 W Interstate 10
Ste. 800
San Antonio, TX 78230
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    May 14, 2025
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    March 11, 2025
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