Michigan Teenager Auto Insurance: Important Facts To Know Before Buying

As of last March, there have been a few new driving restrictions for Level 2 license holders. The first is that a teen driver may not have more than one passenger under age 21 in the car who is not an immediate family member or unless the driver is traveling to/from school. The second restriction is that teen drivers may not drive between the hours of 10 p.m. and 5 a.m. unless driving to/from work or with a parent/licensed adult over 21 years old.

When Can Teens Legally Drive In Michigan?

  • Level 1: Supervised Learner’s License
  • Level 2: Intermediate License (Limits unsupervised nighttime driving / passenger numbers)
  • Level 3: Full Privilege License
One must be at least 14 years and 8 months to apply for a driver education training course. This includes at least 24 hours of classroom study, 6 hours of supervised, behind-the-wheel driving and 4 hours of observation time in a training vehicle. Your teen will receive a green certificate following completion of the course, but he or she must apply for the Level 1 permit to receive driving privileges. To receive full driving privileges, your teen must be at least 17 years of age and have had a Level 2 permit for at least 6 months.

How Does Adding A Teen Driver Affect Michigan Auto Insurance Rates?

Teen drivers are the riskiest. A young person between 16-19 years of age is 4x more likely to get into a crash than any other group of motorists. So you can expect to add anywhere from $1,200 to $4,900 to your policy. As you can see, it pays to shop around with that kind of discrepancy!

5 Ways To Lower Your Auto Insurance Rate

  • Driver education course
  • Higher deductible
  • Good student discount
  • Low mileage discount
  • Shop for free online auto insurance quotes.