Personal · Auto · Connecticut

Your teen has
their permit.
Here's the plan.

Adding a teen to the policy doesn't have to double the premium. Heritage offers competitive rates for teen drivers, with discounts for driver's ed, good student and family association, without quietly downgrading your liability limits.

Almost immediately

Bound, on most quoted risks

3 discounts

Driver's ed, good student, family

1982

Independent since

Add a teen driver Or call (203) 755-1228

Teen driver quote

Tell us about the driver.

A licensed agent will get back to you.

You'll talk to a licensed agent

Three questions parents ask.

Here's what to know, and what we can do about it.

"My current carrier just quoted me a fortune to add him."

Captive carriers price teen drivers conservatively because they can't shop competition. We compare the carriers we represent, apply the driver's ed and good-student discounts, and look at which car the teen is assigned to.

"They got their first ticket. Now what?"

Don't panic, and don't let the carrier raise your rate without a fight. Call us: we can compare how the carriers we represent treat it.

"They're going to college out of state. Does the policy follow?"

Often, yes. Tell us before they leave and we'll check your carrier's rules.

Six discounts your carrier
doesn't volunteer.

Carriers offer these, but they typically only apply the ones you ask for. Ask us to check which ones apply to you.

Good Student

Good grades can lower the teen's premium. Ask us what your carrier requires.

Driver Training

Completing an approved driver-ed course (high school program counts at most carriers) earns another discount at most carriers.

Telematics / Drive App

Some carriers discount for using their driving app. Not every family wants it, but the data is useful for coaching.

Distant Student

Teen going to college far from home? Tell us before they leave and we'll check how your carrier handles it.

Multi-car / Multi-policy

Adding a teen often pushes you into the multi-car bracket if you weren't already. Bundle the homeowners and the discount stacks further. We can quote both together.

What parents
ask us first.

If yours isn't here, the phone is faster than a contact form.

Each carrier has its own rule on when a permit holder or new driver must be added: many at the learner's permit, some only at full license. Tell us as soon as your teen gets a permit so the household is rated correctly and there are no surprises at claim time.

Almost always your policy until they're 21 or move out. Multi-car discounts and your established record save more than the standalone premium would cost them. We confirm the math when you call.

Drivers aged 15 to 20 are about 5% of licensed drivers but 12% of drivers in police-reported crashes (NHTSA, 2024 data). Connecticut's legal minimum is only $25,000/$50,000 for injuries (C.G.S. § 14-112). That gap is the whole reason this matters: when there is a youthful operator in the household, liability limits are of paramount importance. You want an adequate limit in place in the event of an accident where you may be sued over the unintended negligence of a teen driver. We also recommend adding an umbrella liability policy to supplement the primary auto liability protection.

Something we've seen numerous times: a teen gets licensed and is in an accident almost immediately. So let the teen have limited driving privileges until they acquire more actual driving experience. Limit night-time driving. Provide an appropriate vehicle, no muscle cars. Keep teaching and advising them on driving in all types of road conditions. And warn them about peer pressure, which is what turns a careful new driver into an unsafe one.

Yes, usually a meaningful drop somewhere between 21 and 25 if their record is clean. Call us at each milestone (full license, 21, 25, marriage).

Call us before renewal so we can compare how the carriers we represent treat it. In Connecticut, most tickets are infractions with no diversion option, and a 16- or 17-year-old can face an automatic license suspension for some violations (C.G.S. § 14-36g), so talk to a lawyer before paying a serious ticket. Some carriers give credit for a driver-safety course; we'll tell you which.

Most carrier telematics apps log trip data (speed, hard braking, late-night driving) that you can review. It's not real-time location tracking, but it's useful for coaching and, fairly, for a discount. Whether you tell the teen the data exists is a family decision.

Your teen has their permit. Here's the plan.