How to Participate in the teenSMART Driver Program

The teenSMART driver program can help teens decrease their risk of an accident and qualify them for car insurance discounts.

Angela Brown
Written byAngela Brown
Angela Brown
Angela Brown
  • 17+ years in insurance and personal finance writing

  • In-depth knowledge of home and real estate topics

Angela is an insurance and personal finance expert who uses her experience to create content that helps readers understand important and complex topics.

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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
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  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

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Konstantin Halachev
Data reviewed byKonstantin Halachev
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Konstantin HalachevVice President of Engineering
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  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

Updated May 28, 2024

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Car accidents are the leading cause of death for teenagers between 15 and 18 years old, according to the National Highway Traffic Safety Administration (NHTSA).[1] The Center for Disease Control and Prevention (CDC) also reports that drivers between the ages of 16 and 19 are at the highest risk for car accidents of any age group.[2] 

ADEPT Driver offers the teenSMART driving education program, which helps teenage drivers practice safe driving habits and reduce their risk of car accidents. The program is available online and may even qualify teen drivers for lower insurance rates.

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What is the teenSMART program?

The teenSMART program helps reduce teen drivers’ chance of collision through a series of modules and simulations. Participants learn how to anticipate potentially dangerous driving situations, improve their situational awareness, and prepare to react in unexpected incidents. The program focuses on visual search, hazard detection, speed adjustment, space management, risk perception, and lifestyle issues.

ADEPT Driver states its program uses advanced behavior science, research, and testing to create a system that targets the primary cause of accidents. It claims its program reduces the risk of collision by an average of 28%, and up to 49%. Additionally, it reports that participants’ chances of receiving a traffic violation decrease by up to 67% for a year after completing the course.

ADEPT Driver designed the teenSMART program for new drivers, but it doesn’t replace driver’s education courses or local requirements for driver’s permits or licensing.

Who’s eligible for the teenSMART program?

To be eligible for the teenSMART program, you must have:

  • A permit or driver’s license

  • A parent or licensed driver older than 25 to work with for parent-teen activities

  • An up-to-date computer or tablet with an internet connection

Participants can complete the program at a pace that works best for them. While ADEPT Driver has no deadline for completing the course, your insurance company may require you to complete the course within a certain time to qualify for the discount.

Families with multiple qualifying teen drivers must pay for each separate driver. ADEPT offers a $20 discount for additional drivers.

Learn More: The Best Cars for Teens to Drive

Learn More: The Best Cars for Teens to Drive

How the teenSMART program works

Parents of a teen driver can buy access to the teenSMART training program. After ordering, parents will receive a link with a licensing key from ADEPT Driver. Drivers and parents can access the program after completing registration. Parents who complete the registration should register their teen as the program user.

ADEPT Driver charges $119.95 for the program, though you may be able to find discounted rates through your insurance company. Participants should expect to spend at least four hours completing the modules. The program consists of 20-minute modules, and participants may work as quickly or as slowly as they need.

ADEPT Driver’s teenSMART program includes computer-based lessons and practices. Teen drivers will complete driving simulations that highlight the common causes of teen driver crashes and help teens practice avoidance skills. The simulations feature live footage and ask drivers to click when they see a hazard or when it’s safe to make a turn.

Additionally, teens and parents will watch videos, participate in discussions, and use the online skills in real life.

Once all the modules are complete, teen drivers will take a certification test. Drivers receive a certificate of completion and can send this certificate to their insurance company. Drivers may attempt the test up to 10 times.

Companies that offer teenSMART discounts

Some car insurance companies offer discounts for completing the teenSMART program. It’s important to note that some insurers only offer discounts in some states.

How much other drivers pay

Drivers using Insurify have found quotes as cheap as $41/mo for liability only and $81/mo for full coverage.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users within the last 10 days. Last updated on May 28, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from May 28, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Benefits of the teenSMART driver program

So why should you invest in the teenSMART driver program? Completing the course can help your teen and your finances in the following ways:

  • Prepares teen drivers to handle the most common causes of accidents

  • Reduces the likelihood of distracted driving and traffic violations, like speeding tickets

  • Hands-on learning activities that teach drivers in real time

  • Potential for insurance discounts

Other discounts available to teens

Adding a child to your car insurance can increase your rates. But many insurance companies offer opportunities for teen drivers to qualify for lower insurance rates. Some other discount options available to teen drivers include:

  • Good student: Students can earn up to 25% off their coverage costs with good grades. Students can utilize these savings until they turn 25.

  • Student away at school: College students who attend school 100 miles away from home and use the vehicle only when at home may qualify for discounted rates.

  • Safe driver: Teen drivers may qualify for a discount as high as 20% when they use a safe driving app. Some companies offer additional discounts once a driver completes a year in the safe driving program.

  • Vehicle safety features: Many insurers offer discounts for drivers who choose vehicles with high safety ratings and additional safety features, like rear cameras.

Learn More: Cheapest Car Insurance Companies

Learn More: Cheapest Car Insurance Companies

ADEPT Driver’s teenSMART program FAQs

Parents of teen drivers can learn more about safe cars to buy their children and explore common auto insurance discounts to lower their car insurance premiums. Here are the answers to common questions about car insurance for teens.

  • Why is insurance coverage for teen drivers so expensive?

    The CDC reports that drivers between the ages of 16 and 19 are at a much higher risk for collisions and fatal accidents.[2] Additionally, younger drivers have less experience behind the wheel, which also increases their risk of loss.[3] This increased risk causes insurance companies to charge more for coverage to offset the potential for filing claims.

  • How can teenage drivers save on car insurance coverage?

    Teens can save money on car insurance by using multiple discount programs, including completing the teenSMART program, good grades discount, and the student-away-from-home discount. Additionally, teens may save money through a safe driving program and by driving a vehicle with high safety ratings.

  • How can you find cheap auto insurance coverage?

    The best way to find affordable auto insurance is to compare rates and coverage options from multiple companies. Shopping for rates can help you find the best coverage to fit your needs and budget. Look for companies that offer discounts you can qualify for, like safe driver, good student, low mileage, paperless billing, and autopay discounts.

Sources

  1. National Highway Traffic Safety Administration. "Parents: Talk to Your Teen Driver About Safe Driving."
  2. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  3. III. "What determines the price of an auto insurance policy?."
Angela Brown
Angela Brown

Angela Brown is a freelance writer with 17 years of professional writing and editing experience.
She specializes in finance, real estate, and insurance content. Angela uses her experience to
create easy-to-understand content that helps consumers understand tough topics better. When
she’s not working, she enjoys spending time with her family and planning vacations.

Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Featured in

media logomedia logo
Konstantin Halachev
Data reviewed byKonstantin HalachevVice President of Engineering
Headshot of Konstantin Halachev, VP of Engineering at Insurify
Konstantin HalachevVice President of Engineering
  • 7+ years experience in data analysis

  • Ph.D. in Computational Biology

Konstantin has led data teams across multiple industries, including insurance, travel, and biology. He’s led Insurify’s engineering team for more than three years.

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