Chelsey Tucker graduated with a Bachelor of History degree from Metropolitan State University in 2019. She now writes about insurance with her specialty being life insurance and has been quoted on Help Smart Phone and MEL Magazine.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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Learners Permit Car Insurance

Can you buy car insurance with only a learner’s permit? Yes, there is an option to obtain temporary driver insurance, but it isn’t always necessary or the best way to go.

This auto insurance with a learners permit guide will give you the options, the legalities, and help you decide what the best choice if for your driving needs.

Once you have learned all of the ins and outs of buying car insurance with a learners permit then be sure to enter your ZIP code above to compare FREE insurance quotes online and find cheap learners permit auto insurance coverage!

New Drivers & Student Drivers: Added Risk

It’s safe to say that student drivers are some of the most dangerous drivers on the road!

Not that we blame them—these boys and girls are new to driving and are bound to make a few big mistakes and several close calls. That brings up an interesting question—who pays for damages when a student driver is behind the wheel?

As you may already know, liability insurance is not always required when a student driver completes a written test and gets behind the wheel for the first time. As long as the student is accompanied by an insured and legal guardian, the adult can vouch for the student driver.

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How does the law view the license?

Basically, a learner’s permit is legal permission for a young person to drive. It is a temporary license and has multiple restrictions. That said, most auto insurance companies do offer insurance for temporary licenses. This isn’t necessarily the route you want to go, however.

If you have a student driver living with you, it might make more sense to cover the new driver on a parent’s policy and on their insured family car. For example, a son who is being taught by his father how to drive (for a licensing test) is covered by the family’s policy, not an individual policy.

The law differs from state to state regarding the legality of unlicensed drivers. Some states allow student drivers with learning permits to be covered by the family’s policy. However, other states strictly demand that anyone behind the wheel have insurance before they drive, even when driving for the first time.

Some states may even hand down a stiff penalty for drivers who are caught without insurance—perhaps an even harder blow than licensed drivers have to face. In every case however, the new driver must be accompanied by an insured driver over the age of 21, or sometimes 25, at all times. The passenger’s insurance company is liable for any damages.

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Should you wait or buy auto insurance immediately?

If your state gives you the option of choosing a temporary insurance arrangement or tagging along with another insured’s policy, which one should you choose? Bear in mind that though driver’s permit insurance is available, it can be expensive.

It’s only natural that an insurance company is going to charge top dollar premiums for an untested driver. The more the new motorist learns about the road, the safer the driving will be. The more experience he or she accumulates, the more likely the insurance company will trust him/her and their clean record.

Premiums for new licensed drivers are always cheaper than student driver’s insurance. Therefore, the most practical way to look at this issue is to determine how much time the student driver will need to earn his or her license. If the student is going to practice inside empty parking lots and deserted highway roads for just 2-3 weeks, then maybe paying extra for learner’s insurance isn’t worth the expense.

If the driver is patient, he or she might be able to find a much cheaper policy for a young licensed driver. The insurance company assumes that because the young driver is covered by the family insurance policy, he or she is likely riding with a parent or guardian all through the learning experience. Therefore, that driver can benefit from the discounted insurance policy of his/her parent.

Understand the Legal Requirements of Temporary Permits and Auto Insurance

What though if you decide that you want learner’s permit insurance? First, check to see if any local insurance companies offer this type of insurance. It will depend on state law as well as the insurance company’s own preferences.

Most insurance companies require that the insured be over the age of 16. You can start this process by going online and searching multiple insurance companies. Ask the company representative whether or not they can offer insurance for a temporary permit motorist.

Be sure to review the terms and conditions of the contract carefully. In order to qualify for such coverage, the driver must be able to provide a valid learner’s permit and want an adequate amount of insurance coverage.

In order to get the best deal, choose your driving teacher carefully. Parents who have a clean record are preferred by insurance companies and may be able to help younger drivers get a discount. Other tips to remember include: driving modest cars (non-sports models, older year makes), keeping good grades in school, and always driving with the insured parent or guardian in the car are smart moves.

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Find Free Learners Permit Auto Insurance Quotes Online

If you need help finding insurance for a temporary license, then search online using our free web quote comparison tool. You can find affordable insurance premiums in your own town – just enter your zip code to start finding cheap learners permit car insurance quotes now!