Teen Driver Car Insurance in California
As Low As $87/month
Teen Drivers We Insure
- Newly licensed 16 and 17 year olds
- Teens with a learner’s permit
- 18 and 19 year olds buying their own first policy
- Teens with a ticket or an accident
- Teens another company won’t add or has dropped
How Much Is Car Insurance for a Teen Driver?
Teen driver car insurance starts as low as $87 a month. Prices vary with the teen’s age, driving record, the car they drive, your ZIP code and the coverage you choose.
New drivers cost more to insure because they have no driving history. We work with dozens of insurance companies and compare them to find the best price for your family.
Add Them to Your Policy or Get Their Own?
Adding a teen to a parent’s policy is usually the cheaper option. A teen who owns a car, or has had tickets or an accident, may do better with a separate policy.
We can quote both ways so you can compare.
Everyone in your home who has a license and drives your cars should be listed on your policy. Leaving out a driver can cause a claim to be denied.
California Rules for New Drivers
For the first 12 months, a driver under 18 can’t drive between 11 p.m. and 5 a.m., and can’t drive passengers under 20 unless a licensed adult 25 or older is in the car. There are exceptions for school, work and medical needs.
A clean record in these first years keeps the rate coming down as your teen gains experience.
Teen Driver Insurance Questions and Answers
What’s the cheapest way to insure a 16 or 17 year old in California?
Usually by adding them to a parent’s policy. We quote that and a separate policy so you can compare.
How much is car insurance for a teenager in California?
As low as $87 a month. Prices vary with age, record, car, ZIP code and coverage.
Should I add my teen to my policy or get them their own?
Adding them is usually cheaper. A teen who owns a car or has a ticket or accident may do better on their own policy.
Do I need to add my teen when they get a learner’s permit?
Tell us when they get a permit. Many companies don’t charge for a permit driver, but they must be added once they are licensed.
Can a teen with a ticket or accident still get insured?
Yes. We have a market for every kind of driver, including young drivers with tickets or accidents.
Can my 18 year old get their own car insurance?
Yes. At 18 they can buy their own policy. We can get them a quote.
Which car is cheapest to insure for a teen?
Usually an older, safe and modest car. A sports car or an expensive new car costs more to insure.
Does my teen need to be listed if they only drive sometimes?
Yes. Every licensed driver in your home who uses your cars should be listed.
Our insurance company won’t add my teen. Can you help?
Yes. We work with dozens of insurance companies, including ones that welcome young drivers.
How do I get a quote?
Send the form on this page or call (800) 726-0640. The quote is free.
Why MIS Insurance
MIS Insurance Services has helped hard-to-insure drivers since 2009. We work with dozens of insurance companies, so one quote shops them all for you. Our agents speak Spanish. Rated 4.9 out of 5 from 3,100+ Google reviews.
Call (800) 726-0640 or use the quote form at the top of this page.
More for drivers other companies turn away: Foreign License Car Insurance, No License Car Insurance, Insurance After Being Dropped, Tickets and Accidents, high-risk auto insurance, SR-22 insurance and non-owner SR-22.