Texas · List the driver, then set the limit
Adding a teenager usually raises the auto premium because the rating uses that driver. The liability limit is still the household’s cap when they cause a crash. This page will not invent graduated-license hours or a teen discount.
Texas financial responsibility is $30,000 bodily injury per person, $60,000 per accident, and $25,000 property damage. A new driver does not get a different floor. An $80,000 judgment against a $30,000 per-person limit leaves the rest on the household. That is example math. List the teen if they live with you and drive the cars. Leaving them off does not keep the premium down in a claim. A named-driver exclusion, where the form allows one, means that person is not covered when they drive. It is not a quiet way to insure them for less. License phases, passenger rules, and curfews are on the Texas Department of Public Safety site. They are not printed here.
The policy they are added to: car insurance in Texas and what it covers. The household picture: home and auto together. Changing companies after the premium moves: how to switch. License rules: Texas DPS driver license. The state hub: Texas insurance.
