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Learner’s Permit Car Insurance

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jul 21, 2021

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Key Takeaways

  •  If you are teaching a beginner to drive, you must make sure they are on your car insurance policy
  • Each insurance company has varying rules surrounding drivers with a learner’s permit
  • Car insurance rates for new drivers are more expensive due to a lack of experience
  • Not everyone can be in the car while a permit driver is driving

When you start to teach your teen to drive, it may leave you wondering, “Do I have to add my teenager to my car insurance?” This may depend on the state you’re in or even your insurance company. New drivers are sometimes only required to be added to a policy once they obtain a true valid license, not just a permit. However, obtaining learner’s permit car insurance will ensure your young driver is covered in the event of an accident.

In some cases, your teen won’t be officially added to the policy until they have an actual license, but your insurance company needs to know as soon as they have a permit. Insurance company rules differ.

Each state has different rules about teenagers driving with a learner’s permit. Some car insurance companies will allow you to add your kids to your policy, while others will require your new driver to have their own policy.  Insuring a teen driver is pricey but well worth the investment.

The best way to find affordable learner’s permit car insurance rates is to enter your ZIP code here and compare quotes from the top companies.

What is the best learner’s permit car insurance company?

Finding the best learner’s permit car insurance company will depend on your teen’s driving situation. While GEICO and Progressive car insurance are known for extending affordable rates, comparing all top-rated companies will ensure you get the best rates.

If your new driver will be driving a family vehicle, you can likely add them to your insurance policy. Your rates will increase because of the increased number of accidents that new drivers are involved in. However, discounts can help keep costs down.

Some companies offer a family plan discount that can offer a lot of savings when you start insuring a driver with their learner’s permit. Here is a look at the companies that offer this type of discount.

Family Plan Discount Offered by Company
CompaniesFamily Plan Discount Offered
American FamilyYes
Country FinancialYes - 25%
NationwideYes - 25%
The HartfordYes - 5%
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If your teenager will be driving their own vehicle and is registered and titled in their name alone, they may need to buy their own car insurance policy. This can become very costly because of their inexperience on the road.

There are various discounts, like the new graduate car insurance discount, that can help save you or your teenager money. Offsetting the cost by adding discounts is smart. Shopping around for car insurance is the best way to see what discounts can help you save.

Who can be in the car with a permit driver?

Even once you gather learner’s permit car insurance quotes, you will likely still have some questions about your new driver. Who is allowed to be in the vehicle while they are driving is one of the most commonly asked questions by parents.

Each state has different rules surrounding this. However, typically the person accompanying the new driver needs to be at least 18 years old and carry a valid driver’s license. In some states, the age requirement may be 21.

Another thing to look into is your state’s rules about minors riding in a car with a learner’s permit driver. In many cases, they will not be allowed even if there is an adult in the vehicle. This is due to the fact that permit drivers are much more likely to be involved in accidents.

When you are ready to buy learner’s permit car insurance, enter your ZIP code here to see the best rates from top insurers.

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