Learner’s Permit Auto Insurance

Affordable learner's permit auto insurance is available. Auto insurance is required for young drivers with their learner's permit; however, most companies allow parents to add their child to their existing policy in lieu of buying a separate policy. Rates for teen drivers can be around $5,000 annually. Learn more about finding learner's permit auto insurance rates now.

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Sara Routhier, Managing Editor of Features and Outreach, 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 overwhelming worl...

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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: Dec 2, 2020

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A Concise Overview

  • A learner’s permit is a restricted license for new drivers.
  • Insurance is required for driving with a learner’s permit.
  • Many companies allow parents to add their children to their policy.

Have you or someone in your family just received their learner’s permit? If so, you may be wondering if there is a specific learner’s permit insurance available, or if auto insurance is necessary at all.

In our guide below, we provide more information on the insurance requirements for drivers with learner’s permits. This information will help you make an informed decision on auto insurance. To easily compare learner’s permit auto insurance quotes in your area, use our comparison tool.

What is a learner’s permit?

A learner’s permit is a type of restricted driver’s license that allows young drivers to operate a vehicle before obtaining their full driver’s license. To receive a learner’s permit, the potential driver must pass a permit exam. There may also be other requirements, depending on where you live.

The age at which you can apply for a learner’s permit varies; however, it is 15 in most states. Those with learner’s permits have certain requirements that must be met in order to drive, including that a licensed adult must be in the vehicle.

A learner’s permit may also be referred to as a learner’s license or provisional license.

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Do you need insurance with a learner’s permit?

If your child has just gotten their learner’s permit, you may be wondering if they need their own personal auto insurance policy, or if they need auto insurance at all. The fact of the matter is, if you are driving, then you are legally required to have some form of auto insurance. However, children can often be added to their parents’ policies.

Being added to a parent’s policy would likely help save money in insurance costs, but not all companies allow learner’s permit drivers to do this. Be sure to check with an agent at your insurance company.

Insurance requirements can differ depending on where you live as well. For example, NC learner’s permit insurance requirements say that young drivers don’t need their own personal policy.

The same goes for Massachusetts learner’s permit insurance. However, different states handle this matter differently. Be sure to check your state’s auto insurance requirements.

Easily compare rates in your area by using our comparison tool.

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Auto Insurance Companies and Their Learner’s Permit Policies

What insurance companies accept learner’s permit drivers? Many companies offer parents the option to have their young driver covered; however, the details can vary between companies.

Learner’s permit insurance from USAA allows parents to add their children to their own policies, which avoids the cost of buying a separate personal policy. Learner’s permit insurance from State Farm also allows parents to add teens to their policies and boasts great discounts for young drivers.

For learner’s permit insurance from Geico, it is suggested that you contact an agent to discuss your specific needs, but the company does offer the option of adding your child to your policy. Learner’s permit insurance from Progressive is usually cheaper when a child is added to a parent’s policy.

Insurance for Teenage Drivers

Insurance rates for teenage drivers will be exponentially higher than their adult counterparts in most cases. This is because inexperienced drivers are more prone to accidents. While young drivers’ insurance rates will decrease over time, insurance costs for a new driver can present a significant financial burden. However, there are ways to save money.

In most cases, it will be cheaper to add a teenager to your insurance policy as opposed to buying their own separate policy. The process of adding a child to your policy is usually quite simple. You will likely just have to contact an agent and discuss your situation.

Average annual rates for teenage drivers from different companies can be seen in the chart below.

Average Annual Teen Auto Insurance Rates by Company

CompanySingle 17-year-oldSingle 17-year-old male
Allstate$9,282.19$10,642.53
American Family$5,996.50$8,130.50
Farmers$8,521.97$9,144.04
Geico$5,653.55$6,278.96
Liberty Mutual$11,621.01$13,718.69
Nationwide$5,756.37$7,175.31
Progressive$8,689.95$9,625.49
State Farm$5,953.88$7,324.34
Travelers$9,307.32$12,850.91
USAA$4,807.54$5,385.61
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There are also several discounts available to young drivers, which you can read about in the next section.

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Auto Insurance Discounts

Several companies offer auto insurance discounts for young drivers. For example, some companies offer discounts for good grades. Be sure to run your child’s report card by your insurance company to see if it can help reduce those rates.

Enrolling your child in a driver’s ed course is also a way to reduce insurance costs. While not all companies offer a discount for driver’s ed, ensuring your child knows the rules of the road can help them avoid accidents.

If you’re adding your child to your auto insurance policy, it’s a good idea to shop around and make sure you have all of the discounts you’re eligible for.

Take a look at this video from Shine Insurance that discusses the most common auto insurance discounts. Do you have all of these on your policy?

Having your child drive an older and safer car will also help lower insurance rates. For the most part, no matter your age, insurance rates on an older car will be much lower than rates for a brand new vehicle.

Finding the Best Auto Insurance

Don’t wait to contact your insurance company if your child has just obtained their learner’s permit. In almost every state in the U.S., auto insurance is legally required. While searching for the right policy can be a pain, there are ways to make it easier. For example, we have a car insurance calculator that can easily estimate your rates.

Are you ready to buy learner’s permit auto insurance? Be sure to also use our comparison tool, which will quickly compare personalized rates from some of the best insurance companies. All you have to do is enter your ZIP code to find learner’s permit auto insurance rates near you.

References:

  1. https://www.iii.org/fact-statistic/facts-statistics-teen-drivers

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