Do You Need Car Insurance With A Learner’s Permit?

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Rachel Bodine graduated from college with a BA in English. She works as an associate editor and writer for for over a year and enjoys creating content that offers expert advice on car insurance topics.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs...

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Reviewed byLeslie Kasperowicz
Former Farmers Insurance CSR

UPDATED: Mar 13, 2020

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Learner’s permits are driving permits given to teenage drivers before they become fully licensed. By using a learner’s permit, the driver is allowed to practice driving in order to prepare for their road test. While not fully licensed, drivers with learner’s permits still need to be insured when they are on the road.

Learner’s Permit Insurance Policies

learning permitIf you have a learner’s permit, you do need to have some type of auto insurance coverage if you want to actually drive a car. In most cases, however, you will not need to apply for your own auto insurance policy. The person who will be sitting in the car driving with you will most likely have you covered under their policy. In most cases, the insurance policy follows the car, not the driver. So if you are driving your parents’ car, you will be insured under their policy.

Car insurance companies almost always will extend parents’ insurance policies to include their children with learning permits. In order for their insurance to apply, however, your parents will need to add you as a driver on their insurance policy.

It is important for your parents to notify their insurance provider for three reasons:

  • The insurance company will now know that you will be driving your parent’s car. They will let you know of any restrictions or special situations that might arise.
  • If you are not driving your parent’s car, but actually a car that you own and is under your name, your insurance agent will let you know what needs to happen. In this situation, you might need to get your own policy under your own name. At the very least, you will need to be added to your parent’s policy.
  • The insurance company will let you know what needs to happen once you pass your road test and are fully licensed.

You should let your parents know that it is very important that they contact their insurance company before you get behind that wheel. Never assume that you are covered without notification.

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Frequently Asked Questions Parents Have Regarding Permit Insurance

Do I need to add my teen driver with a permit to my family’s car insurance policy?

Depending on your insurance provider and where you live, the rules regarding adding your teen driver vary. Like stated above, most places will allow the teen to be covered under the parent’s policy as long as the parent is driving with him or her. The teen driver does not actually need his own insurance policy; it just needs to be driving a car that is insured already by the parent. To make sure of the rules and restrictions in your state, it is best that you contact your insurance provider to double for teen with permit

What if my insurance provider does require that my teen driver with his permit have auto insurance?

If your provider informs you that your teenage driver needs his or her own car insurance, you should look into getting a temporary auto insurance policy that will cover them for the duration of their permit. Ask your insurance agent how much this type of policy will cost. If the cost is too high, in your opinion, you should seek quotes elsewhere.

Frequently Asked Questions Teens Have Regarding Permit Insurance

What if I don’t live at home anymore? Am I still covered under my parents’ policy?

Usually, the one requirement that auto insurance companies have when determining whether or not to insure a driver with a permit is whether or not they live at home. If you do not live at home with your parents, you will not be covered under their policy. In this case, you will need to shop around for your own car insurance.

Do I have to notify my parents’ car insurance if I get a permit?

A lot of times, the insurance company will still cover you under your parents’ policy even if you do not inform them of your situation. Sometimes, however, they do not. This is the reason why it is not worth it. You should always inform your auto insurance company that you will be driving your parent’s’ car while you learn to drive.

Even if you don’t think it could happen to you, realize that thousands of drivers with learner’s permits get in accidents each year. It’s always better to be safe than sorry.

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