Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 14, 2020

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Key takeaways...

  • Before your child enrolls in a driving school, contact a couple car insurance companies and talk about options for young driver car insurance
  • No matter how old you are you or what type of license you have, car insurance is mandatory when operating almost any private passenger vehicle in most states
  • Always compare at least three different quotes before insuring your teenage driver

No matter how old you are you or what type of license you have, car insurance is mandatory when operating almost any private passenger vehicle in most states.

For those drivers with a learner’s permit, the question of car insurance can be a little complicated but essentially car insurance laws do not require you have your own individual auto insurance policy in most cases.

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Table of Contents

Young Drivers FAQ

Most young drivers who have a learner’s permit usually live at home with parents or other mature drivers and as long as one of those people are over the age of 21 or 25, its common to simply add you as a driver under their current car insurance policy.

However, there are some exceptions for adding young drivers to an existing policy but most of these exceptions do not apply until you either:

  • Get your own car
  • Graduate to a driver’s license
  • Reach the age of 21
  • Move away from home

So the answer the question of whether or not you need car insurance with a learner’s permit is yes but most people acquire car insurance through an existing policy of someone in the household.

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Car Insurance for Young Drivers Living at Home

Young drivers living at home often are added to an existing car insurance policy by an adult household member.

This is much cheaper than purchasing a teenage car insurance policy and while children stay under the age of 21 and live at home car insurance companies generally allow any child with a learner’s permit to be added to a policy.

Where some families run into problems is when the young driver graduates to a drivers license and there are several cars in the driveway.

One of the quickest ways a car insurance company can deny adding a teenage driver as an additional driver is if the home always has a car available to the teenager for use.

Think about it this way:

If you currently have 3 cars and there are only 2 adults then the teenager will always have access to at least one vehicle.

Some car insurance companies will require a separate policy with the young driver as the primary operator of the additional car due to the risk of always having a vehicle available to the teenage driver.

Never assume you can simply add a teenage driver to your car insurance policy.

Adding a Driver

While it is common and most young drivers can be easily added to an existing policy there are many reasons why car insurance for young drivers can be difficult to obtain for some families.

Before your child enrolls in a driving school, contact a couple car insurance companies and talk about options for young driver car insurance.

The good news about a learner’s permit is that while a teenager has a permit they almost always can be covered by your existing car insurance.

Compare car insurance quotes now! Enter your zip code below to get started for FREE!

References:

  1. https://driving-tests.org/learners-permit/
  2. https://www.statefarm.com/insurance/auto/resources/what-affects-car-insurance-price
  3. https://www.nationwide.com/cheap-car-insurance-young-drivers.jsp
  4. https://www.esurance.com/info/car/teen-driver-insurance-basics