Do You Need Insurance if Your Child Has a Learner's Permit?

by Janet Hunt ; Updated July 27, 2017
Young drivers with learner's permits can be covered by a parent's insurance policy.

When your child is old enough to get a learner's permit it is exciting and scary at the same time. Some states allow a teenager to obtain a learner's permit at 15 while in other states the age requirement is 16. If you are unsure of the age requirement, check with your state's department of motor vehicles. Check with your insurance company to find out its specific requirements for adding a driver with a learner's permit.

Requirements of the Insurance Company

Different insurance carriers have different requirements about adding a teenager who has obtained a learner's permit to your auto insurance policy. Most state laws do not require a beginning driver with a learner's permit to carry her own coverage. However, the car being driven must be insured. Each insurance company has its own requirements. Some do not require a driver to be added to the policy until he obtains a regular driver's license, while others do. The best practice would be to check with your insurance company.

Price Considerations

Typically, insurance companies do not charge for adding a teenager with a learner's permit to the policy. However, bear in mind that once your child has a regular driver's license, your rates will go up. Insurance companies charge higher rates for teenage drivers because historically they are in more accidents during the time they are learning the techniques of driving until they become a more experienced driver.

Training and Safety

Now is the time you should stress the importance to your teenager about driving safely and following driving laws. Have your child attend a driver's training course. Many schools provide driver's education courses as part of the curriculum. It is OK to let her know that if she is in an accident or gets a ticket, the price of insurance will go up. Always stress the importance of never drinking while driving.

Money Saving Tips

There are several ways you can save money on your insurance rates when adding a teen driver to your automobile policy. Many insurance companies gives discounts to teenage drivers who have completed a driver's education course. There are also good student discounts available. To obtain a good student discount, you must provide the contact information of the school your child attends. Adding the child as a driver of an older vehicle with liability insurance only will also keep your insurance premium down.

About the Author

Janet Hunt has worked in the insurance industry for more than 15 years. Now serving in online marketing, she also has expertise in business and finance topics. Hunt received her Bachelor of Business Administration from the University of Phoenix. Hunt has also worked as a food services manager for a high school cafeteria and received her school nutrition certification in 2002.

Photo Credits

  • Jupiterimages/Brand X Pictures/Getty Images