Teaching your teen to drive is a proud moment for most parents. But it can also be a scary one. 

Most parents of young drivers may be left worrying about their child’s ability to get from Point A to Point B safely. After all, young drivers’ relative inexperience leaves them at a higher risk of collisions

Moreover, adding your teen to your car insurance policy can be expensive, with the average cost of adding a teen driver to your auto insurance policy being an astounding $3,442 a year.

This is where TeenSMART comes in. 

If your teen is willing to put in the work, teenSMART will help them become more responsible, safer, drivers. teenSMART is also affiliated with many car insurance companies that will give you a substantial discount for your teen’s safe driving habits.

TeenSMART is a driver training program offered by ADEPT Driver (Advanced Drivers Education Products and Training, Inc.) aimed at teaching young drivers to be more responsible through study guides, driving exercises, and “real-worlddriving simulations. Your teen must be between the ages of 16 and 20, and be unmarried to enroll. 

Adding your teen to your car insurance policy doesn’t have to come with an exorbitant price tag. Compare auto insurance quotes on a website like Insurify, which lets you compare quotes from up to 20 different companies at a time all in one place. That way, you can make sure you’re getting the best policy for the lowest possible price!

Score savings on car insurance with Insurify

Compare Quotes

How does teenSMART work?

ADEPT, the company that offers teenSMART, states its mission is “to deliver science-based training that significantly reduces auto collisions and injuries.” In line with this, the company has identified six main factors contributing to teen driver crashes and teaches students how to avoid indulging in them. That’s why the teenSMART program emphasizes the importance of the following driving skills

  • Active visual search 
  • Recognizing hazards
  • Adjusting speed
  • Managing space 
  • Analyzing risks
  • Lifestyle issues (e.g., using your cell phone while driving)

According to ADEPT’s website, teenSMART graduates have an average 28% lower chance of having a car crash and a 54% lower chance of receiving a traffic citation one year after the training course, than teens who don’t take the course. 

To enroll in the program, your teen needs to have the following: 

  • A driver’s license or a learner’s permit 
  • A computer that meets ADEPT’s minimum requirements
  • An internet connection

You or another licensed driver over 26 will also have to be available for the parent-teen activities portion of the program. 

The teenSMART program takes about eight hours to finish. The eight hours are divided into 16 30-minute sessions, so your teen can go at their own pace. At the end of the program, your teenSMART driver will have to take a certification test to pass the course. 

The teenSMART program costs $120 to enroll in, but some car insurance companies will give policyholders a discount on this. 

Companies That Offer teenSMART Discounts

ADEPT has partnered up with the following companies, which offer teen drivers significant discounts for completing the teenSMART program

CompanyteenSMART Discount
AllstateUp to 35%
AAAUp to 24%
Central Insurance CompaniesUp to 20%
MAPFREUp to 15%
MetLifeUp to 7%
Commonwealth Casualty GroupVaries
Erie InsuranceVaries
Liberty MutualVaries
Mutual of EnumclawVaries
West Bend MutualVaries

Plenty of other companies also offer discounts to teen drivers who complete driver training courses. You should check in with your insurance company to see if it approves of the teenSMART program and is willing to give you a discount if your teen enrolls. 

Other Car Insurance Discounts for Teens

Looking to save even more on your car insurance? There are many other discounts your teen could be eligible for. 

The Good Student Discount

Insurance companies believe responsible students translate into responsible drivers. 

As such, a lot of car insurance companies offer discounts to full-time high school and college students who maintain a 3.0 GPA or B average. 

Student-Away-at-School Discount

If you’re a student at a college or school in another city or state from where you keep your car, you may be eligible for a “student-away-at-school” or “resident student” discount. Since you probably don’t use your car very often, insurance companies consider you a lower risk. 

Safety Feature Discount

Many insurance companies will give you a discount if your car has certain safety features or anti-theft devices like anti-lock brakes, airbags, daytime running lights, and electronic stability control. Depending on the number of safety features your car has, you could rack up a pretty substantial discount.

Check out our guide to car insurance for high school students and college students for even more ways to save!

Finding the Cheapest Car Insurance Policy

With or without a teenSMART discount, you should always check and compare quotes between multiple companies before settling down with one. A generally affordable company might end up being not-so-affordable once you add your teen to your policy, while an otherwise expensive company may be much cheaper with a significant teenSMART discount. 

The point is, you don’t really know which company is going to have the best rate for you till you shop around for car insurance. While this can seem like a lot of work, it can be quite easy with a company like Insurify

With Insurify, you can compare quotes between 20 companies in the same place at the same time—within 2 minutes! It’s 100% free and could help you save hundreds of dollars in insurance premiums today.  

Score savings on car insurance with Insurify

Compare Quotes

Updated April 28, 2021

Tanveen Vohra is currently a content writer for Insurify. Tanveen has a background in college media, having produced videos, news articles, and feature pieces for various student magazines and newspapers at SUNY Buffalo. She recently moved to the Boston area, and now works full-time for Insurify, helping produce blog content. In her spare time she frequents climbing gyms and explores film photography.