Do Auto Insurers Automatically Add Teens to Your Policy?


Continue Reading Below


Underwriting guidelines and rating systems vary from one insurer to another and are governed by state law, but, in general, car insurance providers will require that you disclose all household members

An auto insurer wants to be aware of the risk it is taking on, and part of that is being told about household members of driving age, whether that is a 16-year-old child or an 80-year-old relative who lives with you, and then the status of their licenses.  (See "Who can drive your car

If your car insurance company requires that you list your teenager on the policy, but he hasn't received a permit or license yet, he normally can be marked as unlicensed and should be unrated by the auto insurance company.

<3>More On This...

Continue Reading Below