KEY TAKEAWAYS

Parents must add teen drivers to auto insurance to avoid legal issues.

Utah law mandates insurance for both vehicle and driver says Utah's Insurance Commissioner Jon Pike.

Failure to disclose a teen driver may result in denied claims and legal action.

SALT LAKE CITY — The day your teen becomes old enough to drive is both exciting and terrifying for you and your wallet. Bankrate estimates the average 16-year-old driver in Utah adds $5,327 to their parents' insurance premiums that first year.

Some parents curb that cost by not adding their kids to their policy, believing the State of Utah only requires the car to be insured, not the driver.

That's not quite right, according to Utah's Insurance Commissioner Jon Pike.

"It's really a combination of both," Pike said.

He sai

See Full Page