Does Insurance Cover a Driver Who Only Has a Learner’s Permit? 

In most states, drivers with a learner’s permit are required to have auto insurance. This is because car insurance is mandatory for all drivers, regardless of their level of experience. Permit holders are typically covered under their parent’s or guardian’s existing auto insurance policy.

So, if the permit holder is driving a family vehicle, they are typically insured under the same policy.

Adding a Learner’s Permit Holder to an Existing Policy

Most insurance companies allow you to include a permit holder without significantly increasing your premium. This is because the permit holder is required to drive under the supervision of a licensed adult.

However, it’s important to notify your insurer when a new driver in your household obtains a learner’s permit to ensure they are properly covered.

Separate Policies for Learner’s Permit Holders

In some cases, a permit holder might need their own insurance policy. This situation can arise if the permit holder owns their own vehicle or lives separately from their parents or guardians.

While obtaining a separate policy for a permit holder can be more expensive, it helps ensure that the driver is adequately covered. It’s crucial to shop around and compare quotes to find the best coverage options for a new driver.

Coverage Considerations

When insuring a driver with a learner’s permit, it’s important to consider the level of coverage. Having liability coverage is required in most states. Additionally, comprehensive and collision coverage can provide extra protection for the vehicle being used by the permit holder.

Your agent can help evaluate your current coverage and tailor it to provide appropriate financial protection for your situation.

Contact Us

Contact Festival Auto Insurance in Irving, Texas, for an auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.