Getting a driver’s license is an important rite of passage for many teenagers (and adults!). However, before teen drivers can visit the DMV and get their driver’s license, they need to obtain a learner’s permit or a permit that allows them to drive under supervision. While owning a learner’s permit doesn’t come with as many responsibilities as a license, learner drivers still need car insurance.  

In general, anyone who operates a vehicle needs car insurance. Like any driver, learner drivers can still cause accidents and be held responsible for damages. Even if your family lives in a state that doesn’t require insurance, carrying coverage is still recommended. While there are some exceptions, adding your learner driver to your current policy is usually the most affordable way to insure them. Learn the ins and outs of learner’s permit insurance and how to find affordable coverage with this guide.  

Can You Add a Learner Driver to Your Car Insurance? 

If your learner driver uses your vehicle, they’re probably eligible for coverage under your insurance plan. If you have an existing car insurance policy, the easiest and most affordable way to ensure your learner driver is covered while on the road is by adding them to your policy.  

How Much Will It Cost?

Since teen drivers pose a significant risk to insurers, adding one to your policy can be pricey. However, it’s typically more affordable than buying them a separate policy. In addition, some insurers won’t increase your premiums until your learner driver receives their license. 

Keep in mind that the cost of adding a learner driver to your policy will depend on a variety of factors, including the age and driving history of your child, the type of car you have, and the amount of coverage you want. 

How Much Coverage Does My Learner Driver Need?

Your permit driver needs to meet the minimum liability insurance requirements set by your state, but you may want to give them more comprehensive coverage depending on their needs. Permit drivers and teen drivers have a higher likelihood of crashing due to their inexperience. That’s why having additional insurance can give you peace of mind and help protect your family financially if something goes wrong. 

When Do Learner Drivers Need a Separate Policy?

Some drivers with learner’s permits can’t be added to their parent’s policy and require separate coverage. Learner drivers don’t always live at home and share a family car, and some are adults who decided to get their licenses later in life. These demographics, and anyone else with a learner’s permit, can purchase their own car insurance and register their vehicle independently if they need to. In addition, if you’re a permit driver living with a spouse or significant other, they might be able to add you to their plan. 

If your child has a learner’s permit, it’s important to contact your insurance company to ask about your options. Whether you’re adding your child to your policy or purchasing a separate one, shop around and compare prices to find the best deal. If you’re looking for the right insurance coverage to protect your child while they learn to drive, get quoted for a policy from The General in under two minutes.