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

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.

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.


  Comments: 9

  1. Hi,

    I want to take car insurance but i have Learner’s Permit. Please suggest.

    Thank you,

    • Andrew@4AutoInsuranceQuote

      You shouldn’t have any problem getting car insurance with just a learner’s permit from any of the big national insurance companies like Progressive and GEICO. You’ll just need to remember to send them your driver’s license number once you receive your driver’s license. You will need to show proof of insurance anyways before you can register a vehicle under your own name, so you can definitely get car insurance with a learner’s permit. You can start with those two companies because other insurance companies also want to see that you’ve had prior insurance, which you don’t have.

  2. Progressive will insure a person who only has a permit, young or older. There are other companies who do so but not sure which one’s. You’ll have to call around and ask.

    • So I can drive without actually paying? I just need my permit and inform them?

      • Andrew@4AutoInsuranceQuote

        No, you will always need to pay for auto insurance. If you currently have your own policy, then you’re already paying for car insurance. If you are on somebody else’s policy, then they will need to add you as a driver on their policy and pay any subsequent extra premium. If you don’t have a policy, then you need to buy your own policy. Usually, companies require a down payment to get the policy started, and then you can set-up whichever payment option you prefer. But they won’t cover you unless they receive payment.

  3. Do I need to be on my parents insurance before I go to the DMV to get a permit or do I do the process there?

    • Andrew@4AutoInsuranceQuote

      You would first go to the DMV to get a learner’s permit, and then have your parents put you on their policy. You can’t be listed as a driver on an insurance policy unless you have a permit or a license number. The DMV will want to see that your parents do have insurance that you’ll be on, so you can show them their current policy that doesn’t have you on as a driver. Then, once you get your permit, your parents will need to put you on their policy.

  4. Hi,

    I live in Massachusetts. I am planning to buy a car from a private seller. I currently have my learner permit. Can I get an auto insurance with my permit and whether I can get it registered along with title at DMV with my permit.

    • Andrew@4AutoInsuranceQuote

      Yes, you can get auto insurance with your learner’s permit and you can register it at the DMV. You’ll need to get the auto insurance first before you can register the vehicle at the DMV. For now, your best option would be to go through a big national insurance company like Progressive or GEICO because they are okay with learner’s permits. Once you get your policy, you can get it registered at the DMV and be on your way. Remember to update your insurance company with your driver’s license number once you get that.

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