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Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Liability Insurance
Required in nearly every state, liability covers damage your teen causes to others—bodily injury and property damage. For a 16-year-old driver, state minimum liability averages $150–$280/mo, while higher limits (100/300/100) add 30–50% but protect your family assets if your teen causes a serious accident.
Collision Coverage
Pays to repair your teen's car after an accident regardless of fault—required by lenders if the vehicle is financed. If your teen drives a paid-off car worth under $3,000–$5,000, dropping collision can save $60–$120/mo, though you'll pay out-of-pocket for damage to your own vehicle.
Comprehensive Coverage
Covers theft, vandalism, weather, and animal strikes—also required if the car is financed. For teens driving older vehicles with low market value, comprehensive costs $30–$70/mo and may not be worth carrying once the car's value drops below $2,000–$3,000.
Full Coverage
Liability plus collision and comprehensive—typically required for financed vehicles and recommended if your teen's car is worth more than $5,000. For a 16-year-old, full coverage averages $300–$550/mo depending on the vehicle, driving record, and state.
Uninsured Motorist Coverage
Protects your teen if they're hit by a driver with no insurance or insufficient coverage—mandatory in some states, optional in others. This adds $15–$40/mo but covers medical bills and vehicle damage that the at-fault driver can't pay for.
