Castle Rock Insurance is an independent brokerage serving customers in Colorado.

Young Drivers (Teen) Auto Insurance

Insuring drivers under the age of 25

What is Young Driver’s Insurance?

Auto insurance tailored for young drivers, also known as teen or young person’s auto insurance, is a type of coverage intended to meet the unique needs of individuals aged between 16 and 25. Due to their lack of driving experience and increased likelihood of accidents, young drivers are generally considered high-risk drivers.

Like standard auto insurance, young person’s auto insurance usually covers damages such as liability, collision, and comprehensive coverage. However, premiums for young driver insurance tend to be higher than those for older, more experienced drivers due to the heightened risk of accidents. Insurance providers may also impose specific requirements on young drivers, such as maintaining good grades or completing a driver’s education course, to qualify for discounts or lower premiums.

Obtaining auto insurance is crucial for young drivers since it provides financial protection in the event of an accident and ensures compliance with legal requirements. Therefore, acquiring young persons auto insurance is a prudent decision for those who want to safeguard themselves while driving.


Is Young Driver’s Insurance required in Colorado?

In Colorado, all drivers below 18 years who operate a vehicle must have auto insurance. Liability insurance that meets the minimum coverage amounts stipulated by law is required for all drivers, including minors who hold a driver’s license or permit.

The minimum liability insurance coverage amounts for Colorado drivers are:

  • $15,000 for each accident for property damage
  • $25,000 for each person for bodily injury or death
  • $50,000 for each accident for bodily injury or death

It’s important to recognize that these minimum coverage amounts are just the minimum, and drivers can opt for higher coverage levels for extra protection. If caught without insurance, minor drivers can be fined, have their license suspended, or face other penalties. Therefore, it’s critical to ensure that all drivers, including minors, obtain the appropriate insurance coverage before driving.

Whenever you’re ready, feel free to give us a call at (720) 799-1808. Alternatively, we also have a Contact Us form here on our site for you to fill out and submit.

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