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

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Mar 19, 2020

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The lowdown...

  • It is definitely possible to get car insurance with a provisional driver’s license, but you will need to tell the auto insurance company that you are applying with that you do not have a full driver’s license just yet
  • One of the most economical ways to get insurance if you only have a provisional driver’s license is to have yourself added as a driver to an existing car insurance policy
  • It is very common for new drivers who only have a provisional driver’s license to have to pay much more for auto insurance than an experienced driver would
  • If you add an inexperienced driver who only has a provisional driver’s license to a current auto insurance policy, the rates for that policy may increase significantly
  • A good way to make sure that you are getting the best rate for auto insurance that you can with a provisional driver’s license is to enroll in a safe driving course and practice good driving habits

Having a provisional driver’s license means that you do not yet have full driving privileges from your state department of motor vehicles because you are just starting to learn how to drive.

Auto insurance companies classify this type of driver as much more likely to crash a car than an experienced driver, so new drivers will pay higher rates that correspond with their risk level.

If you are just getting a provisional driver’s license, the best thing to do in most situations is to have yourself added as a driver to an existing car insurance policy so that your rate is not as expensive as it would be if you had to have your own car insurance policy.

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Having a Provisional Driver’s License


Many states in the U.S. use a Graduated Driver’s Licensing system (GDL) for young drivers to obtain their driver’s license.

This system entails multiple phases of testing, such as a written test about the rules of the road and an actual driving test to make sure that you know how to safely operate a vehicle.

When you pass all of the required tests, you will be granted a provisional driver’s license for a certain period of time. In many states, after you are 21 or older, you are able to drive with a full driver’s license.

The purpose of this system is to make sure that teen drivers are truly ready to be on the road and are phased into accepting responsibility for driving privileges.

During this period of having a provisional license, it is especially important not to violate any of your state’s traffic laws or to cause any accidents because this may delay you being eligible to receive your full driver’s license.

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Auto Insurance with a Provisional Driver’s License

For some auto insurance companies, there is a provision in the policy that will allow teen drivers of their insured parents to be covered under the same policy.

Every auto insurance company has a different way of handling insurance for drivers with a provisional license, so the best course of action is to notify your car insurance provider immediately after your teen driver gets his or her provisional driver’s license.

If you delay in providing your car insurance company notice of your child getting his or her provisional license, the auto insurance company may be able to deny coverage if he or she gets into an accident.

This could be a major problem for your teen driver if he or she is the cause of the accident because you may be responsible for paying for the damages resulting from the accident.

Another thing to keep in mind is that your auto insurance company may not allow you to add a provisional driver to your policy. This could depend on your own driving record as well as how long that you have been insured by that company.

If this is the case for your auto insurance provider, then your teen driver will need to get insurance on their own to avoid getting penalized for not having the required insurance down the line.

If a Teen Driver is Added to Your Auto Insurance Policy


If you are able to add your teen driver to your auto insurance policy, you should be ready for your premium to increase a bit.

Even though you will pay a higher rate by having a teen driver on your policy, the rate increase is still less than what your teen driver would have to pay on his or her own in order to get auto insurance coverage.

It is best for your teen driver to remain on your policy until he or she has a full license or an established driving record. This will hopefully mean that he or she can get a more reasonable rate.

It is never too early to see what rates they would pay for insurance. You can shop around for quotes online so that you can see what the options would be for your teen driver.

Here are some ways to save:

  • Safe driving
  • Taking a safety course
  • Being a good student

This is a good way for you to teach a teen driver about the importance of safe driving. By avoiding accidents and taking an approved driver’s safety course, a new driver can get the best discount possible on auto insurance coverage.

In addition, your auto insurance company may offer a good student discount for new drivers based on grades in school. When it comes to getting discounts, the general rule is that it never hurts to ask what can be applied to your policy.

Finding the Right Policy


Having a provisional driver’s license is a huge responsibility for a new driver. It is crucial to make sure that he or she is fully prepared to take on the dangers of the road and make good decisions when it comes to driving.

For auto insurance coverage for a new driver, it may be best to add him or her onto an existing car insurance policy because the rates will be extremely high for a new driver to have his or her own car insurance policy.

The best thing to do is call your auto insurance agent as soon as your teen driver gets his or her provisional license and make sure that you can add a driver to your car insurance policy.

While you may have a rate increase, it is possible to qualify for discounts that make it a more reasonable option.

Compare car insurance quotes today to find the best rate for the coverage you need.