Cheapest Car Insurance Companies for Learner’s Permit Drivers in 2026

Beginning to drive is an exciting and nerve-racking part of a person’s life. Finding car insurance companies that accept permits is among the many things new drivers have to consider.

A learner’s permit is not the same as a driver’s license, which companies take know all too well. Most car insurance companies do offer insurance policies to drivers with learner’s permits, but not without a few stipulations.

There are added risks to new drivers, so car insurance rates from companies that accept permits may be more expensive than the average.

Before learning more about the best car insurance companies that accept permits and car insurance companies that don’t accept permits, enter your ZIP code above to compare free quotes from car insurance companies near you.

Are there car insurance companies that accept permits?

The quick answer is yes. There are car insurance companies that accept permits, but not without higher car insurance rates. Car insurance companies that offer car insurance for permits include:

• Kemper
• Dairyland
• First Chicago
• Plymouth Rock
• SafeAuto
• Liberty Mutual
• Arrowhead
• Aggressive
• Metromile
• Safeway

Read more:

• Metromile Insurance Company Car Insurance Review
• First Chicago Insurance Company Car Insurance Review
• Safeway Insurance Company Car Insurance Review

Do you need insurance with a learner’s permit? All drivers need some form of car insurance to operate a vehicle; therefore, most car insurance companies accept permits. However, it will be more difficult to get with a permit than with a full driver’s license.

Most of the time, a car insurance company will sell an insurance policy to a permit driver if they get their full license within 45 days of activating the policy.

Failure to get a full license after that timeframe will result in the insurance company dropping your coverage.

Can you register and insure a car with a permit? Car insurance companies require a full driver’s license to buy and register a car; however, you may insure a car with your learner’s permit.

The good news is that most permit drivers do not need to buy a car insurance policy. Usually, a permit driver lives with a parent, partner, or spouse whose car insurance policy covers drivers with learner’s permits.

Drivers with a permit may need to purchase their own policy after they get a full license or if the car they learn to drive with is in their name alone.

Regardless of where you are at in the insurance buying process, be sure to compare car insurance rates from multiple companies before you decide on a policy.

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How to Find Affordable Car Insurance Companies That Accept Permits

Finding car insurance companies that accept permits is not difficult since most companies do. Because of the increased risk with permit drivers, most car insurance companies offer higher rates to drivers with learner’s permits than to fully licensed drivers.

In spite of increased rates, there are still plenty of options for you to choose from that will potentially lower your car insurance rates and save you money.

These options include staying on a parent’s, partner’s, or spouse’s policy until buying one is necessary, talking over your discount options with an agent, and comparing car insurance quotes from companies that accept permits.

Before you decide to buy permit driver car insurance, shop around. Compare car insurance quotes from car insurance companies that accept permits and ones that do not. You might find a reputable provider that can offer you more affordable rates.

How can drivers with learner’s permits save on car insurance?

As stated before, there is a greater risk to insuring a driver with a learner’s permit. New drivers present a high risk simply because they do not have as much experience driving as seasoned drivers.

New drivers will see the higher risk level reflected in the car insurance rates offered to them by most providers. (For more information, read our “Guide to the Cheapest Car Insurance for New Drivers“).

Average full coverage car insurance rates in the United States are $1,009.38 a year or $84.12 a month. Drivers with learner’s permits can expect to pay more than that from whichever company they choose.

Fortunately, even though rates are high, there are ways to save on car insurance for permit drivers.

A great way to save on monthly car insurance rates for permit drivers is to first decide whether buying a car insurance policy is actually necessary.

If not, then the cheapest option is to stay on your spouse’s, parent’s, or significant other’s car insurance policy until you have to buy your own.

When you have to buy your own insurance policy, the best way to lower your premiums is to compare multiple car insurance quotes from companies that accept permits. Comparing quotes helps you narrow down your options and find which companies and policies are best for you.

Once you decide which car insurance provider and policy fits your needs, talk with your insurance agent about any discounts for which you may be eligible. For example, some companies, like Liberty Mutual, offer discounts to newly licensed drivers.

Similarly, to help drivers save on car insurance for learner’s permits, Geico offers discounts and makes it easy to add a new driver onto an existing policy. Usually, car insurance rates for teen drivers are as low as $234.54 a month for girls and $246.19 a month for boys.

Car insurance companies offer a wide variety of discounts some drivers are unaware of. Car insurance discounts are a great way to alleviate any heftier rates or added insurance costs.

The Insurance Information Institute lists car insurance discounts as one of the best ways to save money on car insurance. Almost all companies offer good student discounts and others that will help keep your rates at a minimum.

Lastly, your age, driving record, and ZIP code could save you money on your permit driver car insurance rates with different companies.

Regardless of what you choose, the best way to get affordable car insurance for permit drivers is to shop around. Comparing car insurance rates from companies that accept permits helps you find the best companies for you.

Start your search for affordable car insurance companies that accept permits today. Enter your ZIP code below to compare car insurance quotes from companies in your area for free.