Getting a learner's permit is an exciting event for most teens. It can be a little frightening -- and expensive -- for their parents. Depending on the state in which you live, your teen can get a learner's permit as early as 14 years of age. In most cases, teens with learner's permits are covered by their parents' insurance and don't need their own insurance.
Insurance laws governing drivers with learning permits vary from state to state, but all states require that any car operated by someone with a learner's permit have at least public liability and property damage insurance coverage. Obtain a copy of your state's laws at your nearest department of motor vehicles.
Check Insurance Policies
Most insurance companies carried by parents will cover a teen while he has his learner's permit at little or no extra charge, though the cost generally goes up significantly when your teen receives his actual driver's license. Insurance companies differ in their policies regarding teen drivers. Set an appointment with your insurance agent to let him know that you have a new driver with a learner's permit so that he can make any changes necessary to your policy.
Teens without Insured Parents
Teens with learner's permits who are not living with a parent or caregiver with insurance may purchase their own policies. Most auto insurance companies offer insurance to drivers with learner's permits, though the cost is generally much higher than having the teen covered under a parent's policy.
- Allstate: Does My Learner Driver Need Car Insurance?
- esurance: Teen Driver Insurance Basics
- Insurance USA: Car Insurance and Learner's Permit
- DMV.org: How to Get Car Insurance Coverage with a Learner's Permit
- State Farm: Adding Car Insurance for Teenagers or Young Drivers
- Governors' Highway Safety Association: Graduated Drivers Licensing (GDL) Laws