Do you need car insurance with a learner’s permit?

Learning to drive is exciting. Getting a learner’s permit is the first step toward being a licensed driver and is a significant milestone in most people’s lives. However, with the privilege of driving also comes additional responsibilities, such as making sure you have insurance coverage. Getting cheap car insurance for first-time drivers can be tricky, especially when they aren’t yet fully licensed. 

Can you get insurance with a learner’s permit? What about getting car insurance without a license? Do you need to buy a separate policy when insuring a teenager to drive? Read on to find the answers to these questions and more.

Learner’s Permit Car Insurance

Can you drive with a permit while uninsured? The answer is a resounding no. All drivers, whether licensed or permitted, require auto insurance.

You don’t need special learner’s permit insurance, though. In fact, unless you’re an older first-time driver, chances are you’re already covered under your parent or guardian’s car insurance. This is because most insurance companies require anyone with an insurance policy to add all drivers living in their households, so chances are all the drivers in one home are covered under one car insurance policy. 

So, if you have your learner’s permit in CT, for example, and are using a vehicle already on a parent’s policy, you should be added as a driver to that policy and be covered. If you get your own vehicle and register it in your name, this changes things slightly. You can still be added to a parent or guardian’s insurance policy, but your vehicle would also have to be added.

If you find yourself in a situation where you have a learner’s permit but can’t be added to a parent or guardian’s policy, then you’ll still need to get your own auto insurance. Just keep in mind that teen car insurance can be very expensive, as insurance companies use driving history, age, and other factors to determine rates. If you’re a first-time driver, then you have no driving history to rely on to prove you’re a safe driver.

Also, if you’re under the age of 18, you cannot legally sign a contract, so you’ll still need the help of a parent or guardian to sign the policy. In most instances, it is more convenient and far more affordable to be added to an existing policy while driving on a learner’s permit.

But can you get car insurance without a license? While most online quotes ask for a driver’s license, you can buy a car with a permit if you’re willing to look a little harder. It may just require more effort to contact insurance agents directly over the phone and you may need to look at smaller, regional insurance companies.

Parents: Insuring My Learner’s Permitted Driver

If you’re a parent of a teenager who recently obtained their learner’s permit, you may be wondering about adding them to your insurance. Because most insurance companies require that all drivers in a household are on the insurance policy, you’ll need to add your learner’s permitted driver coverage onto your existing policy as soon as they are ready to drive. If they are using only your vehicle(s), you just need to add them as a driver then you are done.

If your teenager has their own vehicle, whether it is registered in your name or theirs, you’ll need to add this vehicle to your insurance as well. While it is possible to take out a separate policy for this additional vehicle, most insurance companies offer multi-vehicle discounts. So it will almost certainly be more affordable to add one more vehicle to your policy than to open a new policy.

The Bottom Line on Car Insurance With a Learner’s Permit

Whether it is a new policy or adding to an existing policy, learner’s permit drivers need insurance. First-time drivers can get their own policy, even if they only have a learner’s permit, but it’s best to avoid this if possible. The cost will be much lower to add a learner’s permit driver to an existing policy of a parent or guardian.