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Teen & New Drivers Insurance
— Confidence for Every Mile

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Affordable, reliable insurance for young and first-time drivers.

Getting behind the wheel for the first time is exciting — but it comes with extra risks. Teen and new drivers face higher accident rates, and insurance companies know it. That’s why COVER AI offers special policies designed to protect young drivers without breaking the bank.

What Is Teen & New Drivers Insurance?

It’s an auto insurance policy tailored to the needs of first-time drivers — whether it’s a teen with a new license or an adult getting behind the wheel for the first time.

Coverage Type
What It Covers
Liability Coverage
Meets legal requirements for injuries or property damage to others.
Collision Coverage
Pays for damage to the teen’s or new driver’s car after an accident.
Comprehensive Coverage
Protects against theft, vandalism, weather, and more.
Optional Add-ons
Roadside assistance, accident forgiveness, and more for peace of mind.
Coverage Type
Liability Coverage
What It Covers
Meets legal requirements for injuries or property damage to others.
Coverage Type
Collision Coverage
What It Covers
Pays for damage to the teen’s or new driver’s car after an accident.
Coverage Type
Comprehensive Coverage
What It Covers
Protects against theft, vandalism, weather, and more.
Coverage Type
Optional Add-ons
What It Covers
Roadside assistance, accident forgiveness, and more for peace of mind.

Why Is Insurance for Young Drivers More Expensive?

Less driving experience

Higher accident risk

Statistically higher claim rates

More expensive payouts

Distracted driving, peer pressure, or night driving risks

But here’s the good news: COVER AI helps you minimize costs through smart discounts and programs.

How COVER AI Helps You Save

  • Good Student Discounts
    — For teens with strong grades
  • Safe Driver Programs
    — Track driving habits for lower rates
  • Driver Training Credits
    — Discounts after completing approved courses
  • Family Bundles
    — Add your teen to a family policy for better pricing
Every state has minimum liability limits, like 25/50/25 — meaning:
  • $25,000 per person (injury)
  • $50,000 per accident (injury)
  • $25,000 per accident (property damage)
But minimum isn’t always enough. We help you choose coverage that truly protects you, so you’re not left paying out-of-pocket.

Who Needs Teen & New Drivers Insurance?

  • Parents insuring their teen’s first car
  • College students taking a car to campus
  • Adults getting a driver’s license later in life
  • Families wanting expert advice on young driver coverage

Why Choose COVER AI?

  • Custom policies for young drivers’ unique needs
  • Affordable rates without cutting essential coverage
  • Expert advice to guide parents and new drivers
  • Simple, online quotes — fast and transparent

Frequently Asked Questions

Can I just add my teen to my policy?
Yes! And it’s often cheaper. We can help you compare both options.
No problem — we’ll make sure their coverage works wherever they are.
Encourage safe driving, consider a driver training course, and ask COVER AI about all available discounts.
Ask a question

Ready to Get Started?

Give your teen the gift of safe, affordable driving.
Get a custom quote today with COVER AI — we make insurance simple and worry-free.

Get My Free Quote
Call us:
+1 (312) 395-0872
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Cover AI LLC Insurance Agency License No: 3003609556

E&O Insured by biBERK, Berkshire Hathaway | Surety Bond: Travelers $50,000
3400 Dundee Rd, Suite 150, Northbrook, IL 60062

info@coverai.net

+1 (312) 395-0872

Get a Quote

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