In South Carolina, it depends on where your teen is in the licensing process:

Learner's Permit: Adding them is not required but highly recommended. There's typically no additional premium cost, and you get extended coverage protection for your learning driver.

Driver's License (Restricted or Full): Once your teen gets their license, they must be added to your household insurance policy. Most insurance companies require all licensed household drivers to be listed on your policy, whether they drive your vehicle or not.

Adding to your policy is usually more cost-effective. Most parents find significant savings by adding their teen to their existing policy rather than getting a separate one. This is typically due to discounts your teen wouldn't qualify for on their own, such as homeowner discounts or continuous insurance history benefits. Even if a teen gets their own policy, most insurance companies still require all household drivers to be rated or excluded on each policy.

Expect your rates to increase significantly, especially if your teen was found at fault. Insurance companies consider the severity of the incident - a minor speeding ticket will have a smaller impact than a major accident with injuries. Rate adjustments typically appear at your next policy renewal, not immediately after the incident. Multiple accidents or tickets within a specific period may result in non-renewal. It's important to discuss with your agent what discounts or training programs might help offset these increases.

Expect about a 40% increase in premium when adding your new teen driver to your policy. If you're also adding a car for your teen at the same time, rates typically double. This significant change in premium makes it worth exploring quotes from other insurance companies to ensure you're getting the best value for your family's coverage needs.

Yes, it's worth exploring your options given the significant premium increase. Contact captive agents, independent agents, and direct carriers for quotes. However, consider more than just price - think about technology access, customer service, and local support. Important: Don't switch carriers too frequently, as loyalty discounts can be valuable. Unless there's a major life change, it's recommended to stay with the same company for 3-5 years minimum.

Always consult with a licensed insurance agent when making any policy changes - whether adding a driver, changing coverage, or switching companies. Professional guidance ensures you understand your options and make informed decisions. Remember that proper coverage protects both your teen and your family's financial security on the road.