When your child just has a sweet sixteen party, you might want to celebrate by getting their driver’s license and giving them newfound freedom with a car. This rite of passage is a common source of questions for many of the parents who have auto insurance policies through our office at Roark Insurance Agency in Flatwoods, KY.
While it can be confusing to navigate getting your teenage driver on auto insurance, there are a few guidelines and laws that you can follow to ensure that your teen is properly insured and safe.
What Auto Insurance Is Required for Teen Drivers in Kentucky?
For all drivers in Kentucky, liability insurance is required in terms of auto insurance policies. In certain cases, a single-limit policy may be permitted as a substitute as long as it meets the requirements for coverage.
When your teen driver has a beginner’s permit, you don’t need to add them to your policy yet, since you will be in the car during all of their driving excursions and logging the hours of practice. At this point, it doesn’t hurt to start looking into how adding your teen driver to your policy will affect rates, coverage, and other matters.
Once your teen moves onto an intermediate permit, you will need to add them to your policy, which should meet at least the minimum requirements of this state. At this point, your teen will be driving independently at times, so it makes sense that the laws need them to have coverage of their own.
Reach Out To Us!
To find out more about how our auto insurance policies could help you feel more secure when your teen driver is behind the wheel, call our office at Roark Insurance Agency in Flatwoods, KY today!
