Auto Insurance

Insurance for Teen Drivers

Getting a driver's license is a milestone for teenagers, but it can also mark the start of their most dangerous years on the road. Safety is important to you. We understand and want to provide you with the best auto insurance coverage to help protect your family.


Do you know a teenager who will be behind the wheel soon? It’s an exciting (and nerve-racking) experience to help teens get the training that they need to become safe, responsible drivers.

One of the first things that you’ll want to do is to check on the driving laws in your state. All 50 states and the District of Columbia have graduated driver licensing laws to help teens gradually build up driving experience in a low-risk way.  

Erie Insurance offers great protection with auto insurance coverage for the whole family. Your local Erie Insurance agent will add a young driver with a learner’s permit to your family’s auto policy. This simple step helps ensure that we have the information that we need in case the novice driver is in an accident. Once the young driver passes the driving test, ask your agent about your coverage and costs. Any time you add a licensed driver to your policy, your insurance rates will be adjusted.


One of the primary reasons why teen drivers tend to have higher insurance rates than other drivers is because of the number of accidents teens are involved in. Every year, studies show that young drivers between the ages of 16 and 19 are involved in more accidents than other age groups. Insurance companies need to balance rates with the cost to cover claims.

Insurance costs will gradually lower with each successive year a young driver gains experience without any traffic violations or accidents. At age 24, with the next policy renewal, their rates with Erie Insurance will lower from a young driver to an adult. (In North Carolina, driving experience factors gradually decrease until the driver gains eight years of experience).


To help offset the costs, Erie Insurance offers young drivers a discount between 5 and 20 percent.1 Young drivers may qualify for:

There’s also another way to save on insurance costs: college student discount3 If your son or daughter is living away from home while attending school and does not have access to a car, let your insurance agent know. You may receive a discount for the time that he or she isn’t driving the car.

Young Drivers: The High Risk Years
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But with ERIE’s discounts, it’s not just about savings; it’s also about promoting safe driving among young drivers. Our agents often like to meet with new drivers to review safe driving practices.


Teens interested in sharing the message about safe driving can Join the Shift, a teen driver safety program created by ERIE.

The program promotes a friendly competition each fall between schools and students to practice and share messages about safe driving habits. Prizes (cash and gift cards) are awarded to students and the schools that are the most engaged in the program. Ask your ERIE agent for more details about the program. For more safety information, go to our blog that has tips on teen driving safety.

There’s a lot to consider when you need to buy insurance for a first-time driver. Our local Erie Insurance agents will help with the details.

1The discount is not available in all states. See individual policies for specific coverage details. Certain terms and limitations may apply. Refer to our disclaimer for additional information.
2Not available in North Carolina.
3Not available in North Carolina or Kentucky.

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