Auto Insurance Requirements for Teen Drivers in Texas
Every driver in Texas, including teenagers, is legally obligated to have auto insurance. This is a requisite irrespective of whether an adult accompanies them in the car to aid their navigation in traffic. Roberts Family Insurance, operating in Friendswood, TX, has a considerable client base composed of families with teen drivers and can assist you in choosing the most suitable policy. This ensures your teen is well covered should the Department of Public Services question them. The options for insuring your teen driver in Texas include:
- Including your teenager on your household auto policy. List your teen— who resides with you and holds a driving license— on your existing policy. While this leads to a higher premium, the insurance cost is indisputably less than the potential costs of driving uninsured.
- Utilizing Non-owned auto coverage. This form of insurance covers your teenagers when they drive any car without considering the car’s owner. Effectively, this rider protects your teens if they borrow a vehicle.
- Using Waivers of exclusions and limitations. Some insurance companies avoid covering high-risk drivers, including the safest drivers under 25. Roberts Family Insurance can aid by adding a rider to your policy, or if impossible, guide you to a company willing to insure your teen.
It’s essential to note that full disclosure about all household drivers when buying your auto insurance policy is crucial. Not doing so could make you liable for damages caused by uninsured children, and your teen could face the repercussions of driving uninsured. Roberts Family Insurance offers support in finding the right policy at the most fitting price. Please visit us for coverage consultations.