Do I need auto insurance if I have a permit, or only if I have a driver license?

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This is a little tricky to answer.

The car you're driving needs to be covered by an auto insurance policy; however, it doesn't have to be your own personal policy. In most cases, since you simply have a learners permit or drivers permit, you won't own the car you're using. Instead, the car will belong to your parents, guardians, friends, or even the drivers education course provider (if you're taking a drivers license class). So, the burden of having an insurance policy on the car will fall on them, and not you.

Now, once you've received your driver license and bought your own car, the insurance requirement will change. At that time, you will need to meet the minimum auto insurance requirements in your state.

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