What Car Insurance Teen Discounts are the Most Common?

Cheap auto insurance for teens usually requires the teen to qualify for multiple discounts. The teens who proactively try to find ways to lower their rates often find these discounts require them to act more responsibly. Our Life Situation pages will help you find them, or get a quote on our site and we will ask all discount questions after you select a company. Car insurance teen discounts are usually based on the insurance company believing the teen is more responsible than the average teenager.

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The most common discount given to teen drivers is a good student or grade point average (GPA) discount. This discount rewards students who show responsibility by earning good grades. For most companies this discount requires the student keep a GPA of a “B” or higher.

The next most common discount is that the teenager is not a primary driver on the car. If a family has two vehicles and three drivers, the family can list the teenage driver as a secondary driver on the oldest vehicle and significantly lower the premium, versus each driver having their own car.

Another common discount for households with a teenage driver is a multi-car discount. Unless they are a single parent with one car, most families with teenage drivers will receive a multi-car discount from the insurance provider.