Insurance & Teen Driver?

How is State Farm to know he will not ever drive?
Certainly they cannot just take your word for it.

Contact your agent.........
Don't have son listed as authorized driver for RV


Did that with my kids.
They were listed as authorized drivers on only one family vehicle....the oldest one.

I believe you can add him as an "excluded" driver. That way your rates won't be affected, but if he did drive and got into an accident you wouldn't be covered.

It's a "she" but same thing. I would be happy to sign an affidavit or whatever that she won't drive & that I wouldn't be covered if she did. Yes, it's just another vehicle for our household. But it's not exactly a daily driver sitting in the garage. I guess I'll cross that bridge when I get to it. Maybe it's just me (I tend to be cautious) but I can't imagine too many people let their 16 year olds drive their class C's.

Interesting question. Please give us an update when you get the answer.

I have a 13 YO GS, I'll be in the same position as you in three years.

paullac wrote:
It's a "she" but same thing. I would be happy to sign an affidavit or whatever that she won't drive & that I wouldn't be covered if she did. Yes, it's just another vehicle for our household. But it's not exactly a daily driver sitting in the garage. I guess I'll cross that bridge when I get to it. Maybe it's just me (I tend to be cautious) but I can't imagine too many people let their 16 year olds drive their class C's.

So contact your agent, have that conversation and do what's needed...... why wait to cross that bridge, that approach can cause confusion.

Yup, excluded driver.... won't effect your rates at all.

Yup, excluded driver.... won't effect your rates at all.

That's correct, but opens you hope to big liability possibility.

Insurance companies vary on how they account for household drivers. Some insurance companies (especially low cost ones) will insist that all persons living in the residence are potential drivers. This often happens to young folks who are renting with roommates - the insurance requires each roommate to be named on the insurance because "they have access to the keys".

With State Farm, they don't ask you who lives in the household and you only identify the person(s) authorized to drive that vehicle. If you have multiple drivers in the household, you can exclude any on the insurance for a specific vehicle.

As Old Biscuit said, insure your daughter as primary driver for the oldest vehicle. For any other vehicle she may drive, include her as an authorized driver. For the RV, exclude her.

paullac wrote:
Maybe it's just me (I tend to be cautious) but I can't imagine too many people let their 16 year olds drive their class C's.

Depends on how big the C and the road traveled. My dad had me drive his truck and flatbed trailer along an old highway road when I had my learner's permit. Taught me how to use side mirrors (he had removed the rearview mirror purposely), how to size up space for changing lanes, how to adjust braking and acceleration to account for that big thing hanging off the rear, etc. A small class C would have been much easier to drive.

One thing to remember: if you exclude her now, be sure you get her un-excluded before you start letting her help drive during trips.