Auto Insurance Companies That Accept Permits (2022)

Most car insurance companies that accept permits cover the new driver under someone else's policy; however, it's still smart to let them know. That being said, rates for auto insurance companies that accept permits for young drivers can be pricey. Even the affordable car insurance companies that accept permits are over $200 a month.

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    Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the ...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Sep 15, 2021

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A Concise Overview

  • Most insurers will provide coverage for drivers with permits
  • It’s smart to let them know nonetheless
  • Young driver insurance can get expensive

There are a number of car insurance companies that accept permits. Since it can get pricy for new drivers, it might be wise to see if someone else’s policy can cover you while you’re learning. That being said, you can still auto insurance coverage with a permit.

If you’d like a quote for auto insurance companies that accept permits, then enter your ZIP code into our free quote tool.

Auto Insurance Companies That Accept Permits

Unless your new driver will be driving a car under their own name while they’re learning, they shouldn’t need their own insurance policy. Instead, they’ll likely be covered by your policy and your vehicle that they will be learning to drive in.

That being said, there are a number of insurers that will give learner’s permits insurance. Some affordable auto insurance companies that accept permits might include:

  • Allstate
  • Nationwide
  • Progressive

Any big name insurer will likely offer you fair quotes on a new driver and may offer new driver discounts to keep your rates from going up too high with the added risk of a young driver.

Can I get insurance with learner’s permit?

If you’re driving a car that’s registered under your name when learning to drive, you’ll need to insure that car for the minimum required in your state. If you’re learning with a car under someone else’s policy, then you likely won’t need any additional coverage.

Car insurance companies that don’t accept permits are likely to do so to avoid the risk that comes with new drivers.

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How to Get Auto Insurance With a Learner’s Permit

As previously mentioned, if you’re driving with someone else’s vehicle while you’re learning, you likely won’t need to pay for any additional coverage.

However, if you’re learning in a car that’s registered under your name, you’ll need an insurance policy while you learn in addition to a supervisory driver and any other requirements in your state.

To get a quote for auto insurance companies that accept permits, you’ll need some basic information like:

  • Vehicle’s registration
  • Personal information like birthdate, SSN, and address
  • Payment

If you don’t have any outstanding red flags like bad credit, you’ll likely be able to get a policy in no time at all. That being said, car insurance is notorious for being expensive for young drivers.

If you fall under that category, considering seeing if your insurer offers any discounts.

Are permit drivers covered by auto insurance?

If you already have insurance and you’re looking to add a permit driver to your policy, it’s likely the vehicle they will be learning in is already covered. The next step is notifying your insurer to verify the student driver will be covered if an accident were to happen.

When to Notify Your Insurer

While some insurers will automatically cover permit drivers, it’s smart to make sure. Some companies will prefer that you contact them to include them on the policy or they won’t be covered.

When that permit driver graduates to their full license, it can be an exciting and stressful time, and new drivers will need to be covered and registered with an insurance company — whether it be their parents’ or their own.

If the new driver is under the age of 25, it’s likely they’ll have to pay a little bit more for insurance. Younger drivers are statistically more likely to get into accidents due to their inexperience. However, some insurers will offer discounts when adding a younger driver.

Best Auto Insurance Companies for New Drivers

There are a number of insurers that will offer policies to new drivers because those are new customers entering the market for the first time. That doesn’t mean the insurance will be cheap, but new drivers likely won’t have any issue finding a policy.

The III has a few suggestions for how young drivers can keep their rates low and how parents can help them succeed.

Below are some examples of what new drivers might pay at different insurers:

Average Monthly Auto Insurance Rates for New Drivers by Company

CompaniesAverage Monthly Auto Insurance Rates
Liberty Mutual$377
State Farm$372
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As you can see, the low end of the new driver insurance coverage begins at around $200, but that’s only for veterans and those related to them. Depending on the insurer, new drivers could end up spending well into $500 a month on their premiums.

Auto Insurance Companies That Accept Permits: The Bottom Line

If you’re a driver who just got their permit, there are options to get the coverage you need to begin driving. Many of the biggest insurers across the country will be willing to add you to an existing policy or give you a new one, although the price hike might be less than desirable.

If you’re looking for rates for auto insurance companies that accept permits, then enter your ZIP code into our free quote tool.

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