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Call your agent on this one. Different companies have different policies on this. Most of them do not charge for them until they have a driver's license but want them listed on the policy when they have a permit or some even ask that you list all children over a certain age such as 13 so they can ask about them later. For full disclosure, I own and operate a small Independent Insurance Agency in Central Georgia and have for the past 22 years. I worked a an agent with a direct writer for 3 years prior to that.

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Q: Do you put a teen on your auto insurance when they get their permit or drivers license in N.C.?
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