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New drivers with a learner’s permit should have car insurance while learning to drive, even though they are not yet fully licensed.
The good news is that teenage drivers with a permit may already be covered by a parent’s car insurance policy. If you are the parent of a freshly minted driver with a permit, adding them to your policy likely will not cost you anything. The rate increase will come later when the young driver gets their license.
Every driver on the road should have car insurance, including those driving with a learner’s permit.
Depending on the state, a teenager with a learner’s permit may not be legally required to have car insurance. But insurers typically require all drivers in your household to be listed on your insurance policy.
If someone with a learner’s permit is driving your car, it’s best to inform your insurance company. If you don’t inform your insurer and your teen gets in an accident, the insurance company could deny your claim.