Allstate covers 16 million customers throughout the United States. Many people choose Allstate for its ability to connect protection between multiple auto policies, as well as home, business, motorcycle, travel, pet, and umbrella insurance. It’s also one of our preferred providers for teen drivers due to its affordability and wealth of discounts for young drivers and students. Check out our Allstate review for a closer look at the provider.
Getting Auto Insurance for Your Teen Driver
According to census data, almost 43 percent of households in Aurora have children under the age of 18 living with them. Since Illinois law requires every driver to have insurance, your teen driver must be insured. We usually recommend adding your teen to your policy because it’s more cost-effective than having them get an independent policy.1 You can add them to your vehicle, or if they have their own and your name is on the title, you can add their vehicle to your policy. In either instance, your insurance rate will increase.
Discounts for Teen Drivers
Auto insurance rates for teen drivers are higher than for other age groups due to their lack of driving experience. This inexperience can result in more dangerous distracted driving habits and increased incidents on the road.
Allstate has many discounts geared toward reducing the financial burden of adding a teen driver to your insurance policy. We like that the provider has three ways to earn a student discount. If your young driver is unmarried, a full-time student, and under 25 years old, they need to fulfill one of these requirements:
- Hold a GPA of 2.7 or above (at least a B- average)
- Complete the TeenSMART driver education program
- Attend school at least 100 miles away from where the car is garaged (and are younger than 21)
You can also utilize Allstate’s Milewise pay-per-mile insurance option, as teen drivers tend to drive less than adult drivers in the U.S.2
Allstate’s accident forgiveness coverage add-on ensures premiums won’t increase even if your teen driver is at fault in an accident. Unlike other providers, Allstate does not require a waiting period to add accident forgiveness to your policy. Another benefit: For every six months without an accident, your teen driver will receive a safe driving bonus of up to 5 percent. Educate your teen on safe driving habits to keep them safe on the road and save you money on auto insurance.
, teens are allowed to obtain a learner’s permit with parent/legal guardian consent when they turn 15. Once your teen completes a minimum of 50 hours of practice driving and a state-approved driver education course, you can accompany them to obtain a driver’s license.3