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TeenSMART Driver Program (Updated July 2022) - Insurify

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Katie Powers

By: Katie Powers

Edited by Jackie Cohen

Last Updated June 15, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Sending your teenager out on the road can be a very anxiety-inducing event for many parents. The cost of adding a new teen driver to an insurance policy adds up fairly quickly, given their high-risk status as new, inexperienced drivers. Even parents of the most careful teenage drivers worry about their kids driving from one place to the next—be it to school or to a friend’s house.

To better prepare young adults—and put the minds of their parents at ease—the TeenSMART driver safety training program is provided through ADEPT Driver (Advanced Drivers Education Products and Training Inc.). Eligible drivers access helpful study guides, driving exercises, and driving simulations. Insurance providers may even offer a discount for TeenSMART drivers.

Teen drivers joining the car insurance policy of their parents do not need to suffer from high costs. With Insurify, users can easily compare monthly quotes from the nation’s top providers through the car insurance quote-comparison tool. By plugging in information for the driving profile and vehicle type of their new teen driver, parents can locate the most affordable rates.

Quick Facts

  • Dozens of insurance providers can be compared with just a few clicks through Insurify.
  • Many insurance providers offer discounts for teenage drivers to eligible individuals.
  • Teenage drivers often earn insurance discounts for receiving good grades in school.

What is the TeenSMART program?

The ADEPT TeenSMART program aims to utilize training to greatly decrease car crashes and resulting injuries. According to ADEPT, six primary factors result in car collisions involving teenage drivers. Training focuses on honing the following driving skills: active visual search, recognizing hazards, adjusting speed, managing space, analyzing risks, and lifestyle issues.

ADEPT cites that graduates of the TeenSMART program decrease their likelihood of having a car accident or facing a traffic violation. One year after completing the course, based on ADEPT data, TeenSMART graduates have a 28 percent lower chance of getting into an accident and a 54 percent lower chance of earning a traffic citation than their peers who did not take the course.

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How to Enroll and Participate in the TeenSMART Program

To enroll in the TeenSMART program, teen drivers must have a driver’s license or a learner’s permit; a PC, Chromebook, Mac computer, or iPad meeting ADEPT’s minimum requirements; and an internet connection. The program is only offered for single drivers between 16 and 20-years-old. A parent or licensed driver over 26 will aid in the program’s parent-teen activities.

Once enrolled in the program, teenage drivers must complete eight hours of training to finish. These eight hours are broken up into 16 separate 30-minute increments that teens can complete at their own pace. Once they have completed the hours of training, the driver must then pass a final certification test. Altogether, the program costs $120.

Companies That Offer TeenSMART Discounts

The insurance company you have a policy with may offer a TeenSMART discount for new drivers since ADEPT has partnered with some providers. To be sure, check with your provider to learn about available young driver discounts—including the TeenSMART program. The chart below lists companies with known partnerships with ADEPT’s TeenSMART discount program.

Some car insurance companies that offer TeenSMART discounts include:

Even if your insurance company does not provide discounts for completion of the TeenSMART driving program, there are likely other available teen driver discounts related to teen driver safety and safe driving. Drivers can earn these discounts through driver education and driver safety programs and other highlighted practices aiming to reduce teen driver crashes overall.

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Other Car Insurance Discounts for Teens

What is the TeenSMART program?

TeenSMART programs are offered by many insurance companies that reward good students with special car insurance discounts.

In addition to safe driver discounts earned through driver training programs, teen drivers have more options to earn significant discounts on their insurance premiums. Generally speaking, teen drivers who demonstrate responsibility in school or on the road to combat their high-risk driver status are more likely to save money on premiums, earning trust from their provider.

Discounts Available for Students

Students—especially those who excel at school—have ample opportunities to translate good grades into cheaper insurance premiums. High school and college students with at least a 3.0 GPA or B average typically earn a good student discount from their insurance provider. The student away at school discount decreases rates for students who left their car safe at home.

Safety Feature Discount

Though not limited to teen drivers, many insurance companies dole out discounts to policyholders for implementing various safety features in their vehicles. Features that often apply here include anti-theft devices, antilock brakes, airbags, daytime running lights, electronic stability control, and more. These safety features allow drivers save on costs.

Teenagers who cash in on all the car insurance discounts you might be eligible for tend to pay less in car insurance rates. Others might include:

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Finding the Cheapest Car Insurance Policy for Teens

Whether or not teen drivers participate in ADEPT’s TeenSMART driving program, they—and their parents who may be footing the bill—have many options when choosing the right insurance provider. Before committing to a provider or policy, shopping around for various rates and coverage options allows individuals and families to truly consider all the available options.

Rates from auto insurance companies vary over time, which means a provider that worked for you in the past may not when it comes time for policy renewal. With Insurify, those shopping for insurance can easily compare dozens of providers with our comprehensive quote-comparison tool. Users find up-to-date information to aid any and all of their auto insurance decisions.

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Frequently Asked Questions

  • The ADEPT teen driving program, TeenSMART, aims to decrease the risk of collisions through its program consisting of online training, real-world driving simulations, parent-teen activities, and more. The program works to increase the abilities of teen drivers in hazard detection, discourage distracted driving, and more. Many providers offer discounts to program graduates.

  • Insurance coverage for teens typically costs a lot more than coverage for older, more experienced drivers. The costly price tag stems from insurance providers viewing teen drivers as high-risk drivers linked to increased car accidents, distracted driving, and lack of driving experience. As teens spend more time behind the wheel, their insurance rates will hopefully fall.

  • Many options for teen drivers to save on insurance premiums exist for drivers to benefit from. Completion of the TeenSMART driver program (available on adeptdriver.com) or other safe driving training typically earns drivers discounts. Other discounts available from insurers include the good student discount, student away at school discount, and safety feature discounts.

  • Even if you decide the TeenSMART driving program is not right for you—or your child, for all the parents reading this—Insurify aims to help you find the right insurance coverage at an affordable price. With Insurify’s comprehensive quote-comparison tool, drivers shopping for insurance can compare and analyze rates from dozens of top insurance companies with ease. Try it out today!

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  • The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

    Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

    With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Katie Powers
Katie Powers

Insurance Writer

Katie Powers is an insurance writer at Insurify with expertise in personal finance and auto insurance topics. She strives to help consumers make better financial decisions. Prior to joining Insurify, she completed her undergraduate and graduate degrees at Emerson College. Her work has been published in St. Louis Magazine, the Boston Globe, and elsewhere. Connect with Katie on LinkedIn.

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