Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Mar 1, 2021

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Just the Basics

  • Drivers with a learner’s permit need car insurance
  • Permit driver’s don’t have to have their own car insurance and can be added to their parent or significant other’s policy
  • Many companies will offer car insurance to drivers with a learner’s permit if they need their own policy

For many people, 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, no matter if you are on your own policy or your parents’. Not only can you find discounts for student drivers, but you can also compare rates to find the cheapest coverage.

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 insurance quotes.

What is learner’s permit car insurance?

In most states, drivers have to carry at least the minimum amount of car insurance. That’s no different for learner drivers. They must legally have car insurance, too.

However, that does not necessarily mean you have to your own policy right off the bat.

Although it is possible to find learner’s permit insurance, most drivers with a learner’s permit can be added to either a parent or significant other’s car insurance policy.

If you are an adult living on your own, you would need to buy learner’s permit car insurance while you are practicing. Learner’s permit car insurance rates are usually quite 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 being added to a licensed driver’s policy, as soon as you get your learner permit, you need to contact your auto insurance company. Surprising your car insurance company with a new driver after an accident or ticket is not the way to go.

Even with your permit, you can still get in accidents and be ticketed. If that should happen, your car insurance company needs to know just who was driving. Things will go much smoother if they already know about your permitted driver.

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

Usually, you can expect a significant increase so it’s 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 factors that affect the price of car insurance, including the car you choose for your new driver.

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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’s also important to know that there are usually restrictions after you get your license if you are a teen. States have graduated licensing laws that limit the number of passengers allowed and the times a newly licensed driver can be on the roads alone.

These laws give new drivers freedom while helping them create safe driving habits. This is especially important because safe driving for teens is a huge issue.

According to the CDC, there were 2,500 teens killed in auto crashes and another 285,000 were injured in 2018.

Learner’s Permit Insurance: The Bottom Line

Drivers with a learner’s permit do need car insurance, but they can usually 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.

To find the cheapest rates whether you are looking for your own policy or adding a teen driver to your current policy, enter your ZIP code now to compare insurance quotes for free.