Generally, teens do not have to worry about getting their own car insurance policy. More often than not, parents add their teen drivers to their own policies because it’s usually the cheaper option.
NOTE: Some teens own their own cars; in these cases, usually they have their own car insurance policies. However, most states have strict rules on teens owning property (such as vehicles), meaning parents have to at least co-sign for the property. If this is your case, talk with your state’s motor vehicle agency about state policies for teens to own vehicles outright. Learn more.