Texas Car Insurance and Graduated Licensing

Texas has introduced a system of graduated licensing for new drivers. The regulations include restrictions on the time of day that teens and adults who are learning how to drive can get behind the wheel. The graduated licensing system also restricts the number of passengers under the age of 21 a newbie driver can have in the vehicle.

A person who has just received his or her learners’ permit in Texas must have at least 20 hours of supervised driving experience before they will be allowed to drive by themselves.A full 10 hours of the supervised driving must be done at night.

Restrictions on night driving are part of the graduated licensing program as well. New drivers are prohibited from driving between midnight and 5 a.m. until they move past the learner stage to an intermediate level of experience. The restriction on night driving remains in place until the teen driver is at least 17 years of age.

Teens are not allowed to have more than one passenger under the age of 21 in the car with them. An exception to this rule is made for family members. Fewer passengers means fewer distractions for a young person who needs to stay clearly focused on the road.

This program is designed to lower the risk of car accidents for teen drivers, which will affect insurance costs. Parents who are adding the young people to their insurance policy may qualify for better rates on the cost of this essential coverage.

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