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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Learner's Permit Car Insurance Policy

A driver with a learner’s permit does not always need their own official car insurance policy. It is an option, but not needed.

However, whether you are a driver with a learner’s permit, or a parent with a child who has his or her learner’s permit, you will need to make yourself aware of the rules in your state.

Read on to learn some of the specific regulations and laws concerning learner’s permits and auto insurance coverage and then be sure to enter your zip above to compare free auto insurance quotes from many different car insurance companies online!

State Learner’s Permit & Auto Insurance Regulations

It is illegal in most states for anyone to drive without insurance. How policies work from state to state vary; in some states the policy follows the driver, in others the policy follows the car. You will want some kind of insurance regardless of whether or not it is required of you.

You particularly want liability coverage, because without it you are responsible for any, and this definitely means any, charges for damages in the accident. This means if you are at fault in a wreck that totals three cars and sends some people to the hospital, you are required to pay all the charges incurred. Liability is also required insurance in all states but those with financial proof options.

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Teenage Drivers

A lot of the time you will not need to purchase car insurance for your child, or officially add your child to your policy, as long as the driver is a teenager living at home. Most states allow teenagers living at home with their parents to be automatically covered by the policy.

This is only true, however, if the teen is living and driving with their legal guardian who has a current car insurance policy. If the guardian does not have insurance, or if the carrier is not the legal guardian, then the driver with the learner’s permit is not covered by any insurance.

Learner’s Permit Insurance Requirements Vary

Some companies, however, do require drivers with a learner’s permit to pay for insurance and/or be added to the policy. This is usually in the form of temporary car insurance. The best thing to do is call your insurance company and ask for a quote. A driver with a learner’s permit may be easily added to the policy, as long as the driver receives a regular driver’s license after a certain point.

Some companies will not charge to add this driver to the policy, but some most will increase the rates for the policy. Some insurance policies will simply cover the driver as long as he or she has a learner’s permit, and only as long as a licensed driver who is on the insurance policy is also in the car.

Of course, once the driver has a regular license, he or she will have to either get a car insurance policy, or be officially added to the policy. This will increase insurance rates making it all the more important to compare learner’s permit auto insurance rates from many different sources.

Coverage for Those Who Don’t Live at Home

What happens if you have your learner’s permit and do not live at home? In many cases, you can be covered under someone else’s policy. This can work whether the person is your friend, roommate, boyfriend or girlfriend, or husband or wife, as long as you live with the person and as long as that person is in the car with you when you are driving.

This is true regardless of how old you are when you have your learner’s permit. Again, the policy holder will have to contact the insurance company to determine whether you need to officially be added to the policy, or whether you will simply be covered so long as you have your learner’s permit.

If you are completely on your own, it may still be possible to get your own insurance policy when you have a learner’s permit. It can be incredibly difficult and expensive, however. It can be easier to obtain if you are of legal age, but not every company will offer this kind of insurance.

You will likely have to call around to a lot of different insurance companies before you will find one that offers a learner’s permit policy, if you find one at all. You will still probably be required to drive with a licensed driver in the car—a whole slew of rules come with learner’s permit policies, so you will have to make yourself very familiar with the policy before you take off in a car.

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Finding the Best Learner’s Permit Car Insurance Rates

Obviously, the ideal path to obtaining your driver’s license is to first get a learner’s permit as early as possible, so long as you are living with someone with a car and an insurance policy (ideally you’re at home with your parents). You can save a lot of money and stress this way, because you will probably already be covered by a current car insurance policy. The licensed driver whose presence is required any time you drive a car will likely be more easily accessible.

Of course, this scenario may not always be possible; however, you still have options. You’ll just need to be more proactive in looking for them.

No matter what circumstances you find yourself in – why not see how much money you might be able to save on your car insurance rates by entering your zip in and compare quotes from many different companies? Get started now!