Morse Insurance Blog

Massachusetts law surrounding teen drivers is designed to reduce the disproportionate number of accidents that involve younger drivers. It’s a problem that is typical across the US. Teen drivers may also notice their MA insurance rates are higher than that of their parents. That’s because teens are viewed as high-risk drivers, and insurance companies need to account for that risk.

One way teens can pay less for insurance is often to be covered under their parent’s policy. After all, most teens are quite adept at making their parents pay for things! Driving their parents’ car rather than buying a new one as soon as they’re able to drive is another handy way to lower premiums. It’s important to add your teenage driver to your policy so the insurer is aware of the increased risk.

Insurance rates are likely to rise if teens have an accident or commit a driving offense. The MA Registry of Motor Vehicles keeps records of accidents and violations, so there’s no way to keep them a secret.

It’s mandatory for all drivers to be covered by auto insurance in MA, and teens need to know the minimum coverage that is required. Drivers in Massachusetts need to have bodily injury coverage, property damage coverage, personal injury protection coverage and uninsured motorist protection. However, an MA insurance policy with just this basic coverage may still leaves teen drivers vulnerable to substantial expenses if they have an accident. Optional and very worthwhile coverage options include comprehensive coverage, collision coverage and under-insured motorist protection.

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