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The best case is that the parent with primary custody adds the new driver; the worst case is that both parents do.
The only way to avoid paying the premium for a teenage driver on your own car is a named exclusion.
"We want to create a tool that helps parents and teens having a discussion about what safe practices are," says Shawn Anderson, product innovation architect at Liberty Mutual Insurance, which owns Safeco.Another option is technology that blocks cell phone calls and text messages when a vehicle is in motion and is aimed at preventing distracted driving, Rader says.And Ford has introduced My Key on some vehicles, which can be programmed to limit a vehicle's top speed or the volume of audio devices, he says.Your teen could insure his or her own car, but state laws governing teen ownership of cars differ widely.In general, a minor cannot own property or sign contracts, such as an insurance agreement, without a parent's consent and signature.
See our complete guides to teen driver insurance rates by state: Here is what every parent needs to know about the cheapest ways to insure a teenager: Virtually every insurer will require that all licensed family members in a household be included on your policy, whether they drive your cars or not.