Learner’s Permit Car Insurance

Learner’s permit insurance refers to keeping your newly permitted teen drivers covered once they hit the road. Once someone has obtained their driver’s permit and starts practicing driving, it’s important that they are added to a car insurance policy. Otherwise, they can be held liable if they should get into an accident.

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Natasha McLachlan is a writer who currently lives in Southern California. She is an alumna of California College of the Arts, where she obtained her B.A. in Writing and Literature. Her current work revolves around insurance guides and informational articles. She truly enjoys helping others learn more about everyday, practical matters through her work.

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Jul 16, 2021

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The Rundown

  • If your teen is driving, they do need to be added to your car insurance
  • Learner’s permit car insurance is not a specific policy type available from car insurance providers
  • To make your insurance more affordable with a teen driver, you can look into teen discounts

Learning to drive can be both exhilarating and terrifying for both you and your new driver. Before they get behind the wheel, take the time to learn more about learner’s permit car insurance.

Keep reading to find out what coverage is required and how to get it.

Are you ready to find the most affordable learner’s permit car insurance? Enter your ZIP code above, and we will help you find rates you can afford for free.

Do you need insurance with a learner’s permit?

It depends on where you live, as each state has its own rules. For example, do you need insurance with a learner’s permit in Florida? Florida has a three-stage licensing system, so it depends on which stage they are on.

However, the general rule is that once your teenager gets behind the wheel, you need to notify your car insurance company.

At this point, your individual car insurance provider will let you know what steps need to be followed.

Should you fail to notify them, your teen will essentially be driving uninsured.

For example, if your teen already has their own car, State Farm learner’s permit insurance is a great way to get them covered. Or, if they will be using a family car, you can add them as a driver to your policy.

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How can I save money on learner’s permit insurance?

The majority of car insurance companies will offer a series of discounts aimed directly at teen drivers. These include good student car insurance discounts and driver’s ed course discounts.

In addition, you can look into usage-based programs that track driving behaviors, like Progressive Snapshot and State Farm Drive Safe and Save.

These programs promote safer driving and are a great way to keep an eye on your teens’ driving habits while earning a discount.

Now that you know more about the learner’s permit discount, are you ready to start comparing car insurance quotes? Enter your ZIP code below, and we will help you jumpstart your search with a free quote.

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