The first thing that you need to do when you become a legal driver is to get auto insurance coverage. If you will be driving your parent’s car, then you will need to be added to their auto insurance policy as a covered driver. If you will be driving your own car, then you will need to obtain your own auto insurance policy to drive in Atlanta, GA.
Insurance Requirements for Teen Drivers
Georgia offers a graduated licensing system for teenage drivers that allows them to apply for three different license types, which include an instructional permit, a Class D intermediate license, and a full Class C driver license once they reach the age of 18. Teen drivers are only required to have auto insurance once they obtain a Class D intermediate license.
Teens must carry a minimum bodily injury coverage of $25,000 per person and minimum property damage coverage of at least $25,000. This coverage can either be acquired through the policy of a parent or guardian or the teen must obtain their own auto insurance policy. At Rob Hill Insurance Group, we are happy to guide you through the process of becoming an insured driver.
What Affects Teen Auto Insurance Coverage?
Because teens have such little experience on the road, they are often viewed as potential hazards. Other than their lack of experience, there are other factors that will have an impact on their auto insurance, such as:
- Good grades
- Maintaining a safe driving record
- Paying a higher deductible
- Driving a modest car
If you have questions about obtaining insurance for a teen driver in Atlanta, GA, contact Rob Hill Insurance Group. We are true professionals here to save you time and stress in obtaining the auto insurance coverage that will keep your teen driver protected in the event of an accident. Give us a call today.