Watching your teen get behind the wheel for the first time is a proud milestone for any family. It’s a big step toward independence but it also comes with new responsibilities, risks, and questions about how to keep everyone protected on the road. Understanding how underage drivers effect your policy it can make this transition smoother and give you the peace of mind you deserve.

Who Is Considered an Underage Driver?

For most insurance companies, all drivers under the age of 25 is considered to an underage driver.

Why You Need to Add a Teen Driver to Your Policy

When an underage driver starts driving, updating your auto insurance isn’t optional; it’s essential. If they’re not listed on your policy, you could be left responsible for expensive repairs or liability costs in the event of a collision. Once a driver living in the household obtains his/her G1 license status, you must notify your insurance company before they get behind the wheel.

What to Expect When Adding an Underage Driver

Higher Premiums: Underage drivers are statistically at higher risk of accidents due to inexperience, which means premiums may rise. The good news? There are ways to manage these costs effectively.

Safety Discounts: Many insurers offer savings for teens who complete certified driver education programs or maintain good grades. These incentives reward responsible driving habits while keeping premiums lower.

Coverage Review: Adding a new driver is a good time to review your existing coverage. Check your liability limits, collision, and comprehensive protection to ensure your policy fully reflects your family’s needs.

Vehicle Choice Matters: The car your teen drives can influence your rates. Vehicles with strong safety ratings and modern safety features tend to be less expensive to insure than older or high-performance models.

How to Keep Costs and Risks Under Control

Adding an underage driver doesn’t have to be stressful or expensive. Here are a few simple ways to make the process easier:

• Ask your broker about multi-car or multi-policy discounts.
• Encourage your teen to take a certified driver training course.
• Consider telematics or usage-based insurance programs that reward safe driving behaviour.
• Review your policy each year as your teen gains experience behind the wheel.
• Ask your broker to shop your policy among all the insurance companies in their office.

Working closely with your insurance advisor can help you identify every available discount and customize coverage that makes sense for your family’s lifestyle and budget.

Ready to Add Your Teen Driver with Confidence?

At ICD Insurance, we make protecting your family simple. Our experienced brokers take the time to walk you through your options, explain coverage in plain language, and find the best balance between safety, flexibility, and cost. Whether your teen is just starting to drive or preparing to take the next step, we’re here to help you every mile of the way.

Contact us today to review your options and get a quote tailored to your family’s needs. Visit icdinsurance.ca or call 905-830-9000 to connect with one of our trusted brokers.

Disclaimer: At ICD Insurance, we aim to provide accurate, up-to-date information. However, insurance needs vary, and coverage depends on specific policies, locations, and providers. This content is for general information only and may not fully apply to your situation. Please contact your ICD Insurance broker to discuss your specific needs and coverage.