If your teen is learning to drive, they need auto insurance just like any other driver. However, your policy won't automatically cover them; instead, you need to have them added on. When and how to do this varies depending on your provider, but here are a few rules of thumb to follow.

When to Add a Teen Driver to Insurance

Both state laws and your insurer's policies affect this decision. In some states, your teen may not need their own coverage until they're 18 or until they have their full license.

However, in New Mexico, all teen drivers have to carry the same minimum amount of auto insurance as adults: $25,000 in personal injury coverage per person, $50,000 per accident, and $10,000 in property damage coverage. To make sure your teen is covered, call your insurer before your child gets their instructional permit.

How to Add Your Teen

Teen drivers are considered higher risks than adults for insurers because of their inexperience. While you can lower this risk by correctly supervising your child when they drive, their addition will still raise insurance costs.

Meanwhile, consider getting more than what your State requires for minimum limits.  For example, the minimum property damage liability coverage is $10,000 in New Mexico.  Most vehicles on the road today are valued much higher!  Don’t get caught having to pay the difference when you, or your child, cause an accident with a higher valued vehicle!

As an Independent Insurance Agency, Western States Insurance Group has the ability to ‘shop’ your coverage and premiums.  Representing many companies, they are sure to find a good fit for your needs and your pocketbook.  To get started with a knowledgeable representative, call (575) 396-1318, or visit their website to learn more.