Can you get car insurance with just a learner’s permit?
Although auto insurance laws vary greatly from state to state, in most cases a car insurance company will require that a driver holds a valid and full driver’s license before it will issue a policy. That said, many car insurance companies will allow a policy to commence under the condition that the named driver agrees to acquire a license within a given period of time—usually around 30 days. The prospective insurance buyer will likely be required to provide proof of a driving test appointment.
Once a car insurance company has agreed to cover a permit-holder, they will usually require that a fully-licensed driver be included on the policy. This may be the permit-holder’s parent or guardian if they live at home, or could be a spouse or roommate if they have moved out. In either case, if the licensed driver wishes to instruct the learner, they must ensure that the vehicle being used is insured with a policy that covers the student.
If you are a budding young driver and your parents already have insurance coverage, you can explore the option of being added to their policy. Most car insurers will allow this, but will often provide certain guidelines that restrict when, where and with whom the learner driver may operate the vehicle. Supervision of an experienced, fully-licensed driver is almost always one of these stipulations. Before committing to an insurance policy, it is absolutely vital that you ask about these possible restrictions in order to ensure that you drive legally and within the parameters of your insurer’s regulations.
In most cases, a car can be purchased under the insurance policy of a parent or other fully-licensed driver, with the permit-holder being added to the car insurance policy later. Again, to be sure about these guidelines, check with your insurance provider, and shop around for the right policy for you. The insurance companies will be receptive to you as a potential customer and will welcome your questions, so ask!
Finally, when looking to obtain a full driver’s license, the car you are going to be driving must be insured, even though, in most cases, the driver does not have to hold his/her own policy. The DMV will require proof that the car is insured by its owner before administering the test.
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