Learner’s Permit Coverage

You might not have to buy learner’s permit insurance depending on your situation. Learning drivers can usually be added to a parent’s or significant other’s car insurance policy There are some companies that will offer you your own learner permit car insurance, but these policies can be expensive and have restrictions. Compare rates online to find the cheapest learner’s permit auto insurance for you.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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Written by D. Gilson, PhD
Professor & Published Author D. Gilson, PhD

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. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Mar 3, 2021

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The Highlights

  • Learning drivers must have car insurance
  • Learner’s permit drivers can be added to a licensed driver’s car insurance policy and may not need their own auto insurance
  • Learner’s permit insurance can be expensive and hard to find if you need your own policy

Getting your learner’s permit is a right of passage, but it also opens up a lot of questions. Do you need your own learner’s permit insurance? Can you be added to your parents’ car insurance policy?

The good news is that there are ways to get affordable learner’s permit car insurance, whether you are being added to a policy or if you are on your own policy. Shop around and compare car insurance quotes to find the best rates.

If you are looking for your own learner’s permit insurance or adding a learning driver to your policy, enter your ZIP code now to compare car insurance quotes.

What is learner’s permit car insurance?

Drivers have to carry at least the minimum amount of car insurance in most states. For learning drivers, that’s no different since they must have car insurance, too.

That doesn’t necessarily mean, however, that you have to have your own policy right away.

Although you can find learner’s permit insurance, most young drivers with a learner’s permit can be added to the car insurance policy of either a parent or significant other.

If you are an adult living on your own, you would need to buy learner’s permit auto insurance while you are practicing. Learner’s permit car insurance rates are usually high if you are purchasing your own policy.

Some auto insurance companies will offer you your own policy, but it can be hard to find car insurance companies with learner’s permit insurance coverage and there are usually restrictions that go along with it.

If you are added to a licensed driver’s policy, you need to contact your auto insurance company as soon as you get your learner’s permit. After an accident or ticket, surprising your car insurance company with a new driver is not the way to go.

You can still get into accidents and be ticketed, even with your permit. Your car insurance company needs to know just who was driving if that should occur. If they already know about your permitted driver, things will go much smoother.

Also, contacting your auto insurance company will give you an idea of just how much your auto insurance rates will go up with a new driver.

Usually, a significant increase can be expected, so it is a great time to compare quotes from multiple companies to find the cheapest coverage.

The cheapest car insurance company for you and your new driver will depend on many different factors, including the car you choose for your new driver. An expensive new car or a sports car will make your car insurance rates skyrocket.

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What do you need to know about a learner’s permit?

Every state has different regulations for getting your learner’s permit. The DMV in your state will be able to tell you specifics, like how to get a learner’s permit and who can be in the car with a permit driver.

It is also important to know that if you are a teen, there are usually limitations after you get your license. States have graduated licensing laws that restrict the number of passengers permitted and the times when a newly licensed driver can be alone on the roads.

These laws give new drivers freedom while helping them create safe driving habits. These rules encourage teens to drive safely and help prevent distracted driving.

There were 2,500 teens killed in auto crashes and another 285,000 were injured in 2018 according to the CDC. Graduated licensing laws look to decrease the number of teen drivers in accidents.

Learner’s Permit Insurance: The Bottom Line

Car insurance is required for drivers with a learner’s permit, but can typically be added to a licensed driver’s policy. However, if you need your own learner’s permit insurance, some companies do offer it.

This individual coverage can be expensive and hard to find, so compare learner’s permit car insurance quotes before you purchase your own policy.

Enter your ZIP code now to compare quotes to find the cheapest learner’s permit insurance rates whether you are looking for your own policy or adding a learning driver to your current policy,

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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