Most states use graduated driver licensing, which phases in driving privileges for new drivers. Parents also face legal responsibility in some situations.
Typical stages
- A learner's permit with supervised driving hours.
- An intermediate license with limits such as nighttime curfews and passenger restrictions.
- A full license after meeting age and clean-record requirements.
Common restrictions
- Limits on teen passengers.
- No cell phone use, including hands-free in many places.
- Zero tolerance for alcohol.
- Mandatory driver education and logged hours.
Parent responsibilities
In many states the parent who signs a minor's license application can be liable for the teen's negligent driving, and parents can be held responsible for damage in some situations. Auto insurance policies usually cover teen drivers living at home, often at a higher premium.
Tips
- Read your state's graduated licensing rules.
- Add the teen to your policy before they drive.
- Set a written family driving agreement.
- Review violations and know that points and tickets affect licenses.
- Teach safe habits and avoid distractions.
Frequently asked questions
Can a teen be arrested for texting while driving?
Yes, depending on state law, and it can bring fines and license penalties.
Does a ticket affect my insurance?
Often yes. Teen drivers already face higher rates.