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Getting your teen driver covered

Because new drivers are still learning, insuring them can be pricey. While your teen gets more comfortable on the road, we’re here to help you get the right discounts, resources and coverage.

When should you add a teen driver?
Add them to your policy as soon as they bring home their learner's permit. That way, your teen is covered while learning to drive, and you’re protected financially in case of an accident.

Add a teen to your USAA auto policy.

If you already have an auto policy with us, getting your teen coverage is a lot easier than handing over your keys to them. Just add them as a driver on your current policy.

Add your teen driver Add your teen driver

Ways to save when adding a teen driver

We can help you ease your teen driver into the responsibility of driving by helping cut the cost of car insurance.

Good student discount

Save when your teen driver brings home good grades with the Good Student Discount.‍ ‍ See note 1

Driver training discount

Save when eligible drivers complete a basic driver training course.‍ ‍ See note 1

Multi-vehicle discount

Add another vehicle to your policy and get a discount for insuring multiple cars.‍ ‍ See note 1

Explore all discounts

Save up to 30% off your renewal premium when your teen drives safely.‍ ‍ See note 2

Encourage safe driving habits for your young driver with USAA SafePilot®. Sign up and you can save up to 10% at enrollment and up to 30% off your premium at renewal.

Learn about USAA SafePilot Learn about USAA SafePilot

Help your teen driver at every turn.

Check out how we can help you and your new driver.

Teaching safe driving

Building confidence in your teen driver starts with you at home. Help your teen driver with our safety tips and tools.

Getting ready for the road

Feel better knowing we have you and your teen covered by adding USAA roadside assistance.‍ ‍ See note 3


If they need help when they’re driving on their own, we’re just a click or call away.

Going out on their own

When it’s time to let go, we can easily move your teen onto their own policy. And they’ll get some potential savings along the way to help with their auto insurance rate.


Children whose parents have a USAA auto policy may qualify for a 10% family discount.‍ ‍ See note 4

More resources for insuring teen drivers

How much is teen car insurance?

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Read article

5 ways to help lower auto insurance rates

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Read article

Related footnotes:

  1. IN PENNSYLVANIA, WE RESERVE THE RIGHT TO REFUSE TO QUOTE ANY INDIVIDUAL A PREMIUM RATE FOR THE INSURANCE ADVERTISED HEREIN.

Related footnotes:

  1. Discounts may not be available in all locations and are subject to change, other restrictions may apply.

  2. The USAA SafePilot® program is an optional discount program available with USAA Auto Insurance. Member must have an active USAA Auto Insurance policy and enroll in USAA SafePilot to receive discount. This program is only available in select states. Program availability and state restrictions apply. Smartphone and download of the USAA DriveSafe™ App required.

    Participation discount expires at first renewal in which the earned driving discount is applied, not to exceed 365 days. Earned driving discount is offered at renewal and is based on driving behavior of all the rated drivers on the policy. Discount may vary by state and over the life of the policy.

    Review the Program Terms and Conditions (Opens in New Window) for more information.

  3. USAA Roadside Assistance™ is part of USAA Towing and Labor coverage and applies to covered vehicles only. USAA Roadside Assistance is provided through Agero Services Corp. NOTE: If you need to use Roadside Assistance for an insured vehicle that does not have USAA Towing and Labor coverage, you will be responsible for all charges and services performed. Roadside Assistance coverage does not cover the cost of repair parts. Additional premium required for towing and labor coverage with Roadside Assistance.

  4. To be eligible for this discount, the former dependent must have established eligibility through a USAA group sponsor’s policy and be less than 25 years old. Additional requirements may apply. Not available in all locations.

Related footnotes:

  1. Membership eligibility and product restrictions apply and are subject to change.

  2. Auto Insurance underwritten by United Services Automobile Association (USAA), USAA Casualty Insurance Company, USAA General Indemnity Company, Garrison Property and Casualty Insurance Company, based in San Antonio, Texas; USAA S.A. (Europe), and USAA S.A. UK Branch (United Kingdom), and is available only to persons eligible for P&C group membership. Each company has sole financial responsibility for its own products. Coverages subject to the terms and conditions of the policy.

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