The short answer? Yes. The person with the learners permit doesn't have to have their own insurance policy as long as they're covered under someone else's (for example, their parent's). Typically, a person isn't required to be listed on a policy until they're fully licensed.
Are drivers with a learners permit required to get their own separate policy?
Teens who are living at home and have their learners permits, typically are covered under their parent's insurance policy.
As long as a fully licensed adult over the age of 21 is in the car while the person with the learners permit is operating the vehicle, the existing insurance policy should provide protection.
It's always a good idea to verify with your insurance agent when and how to insure your teen driver from learners permit to fully licensed.
There's a rare scenario where a person who is living alone might have to get their own insurance policy with a learners permit. It's more difficult to obtain auto insurance coverage, but some companies provide a policy, although at a much higher rate.
Money-saving tips for teen car insurance
When your driver becomes fully licensed and needs to be on an auto insurance policy (whether added to someone else's or their own) take advantage of existing discounts for new drivers to get the best rate!
- Good Student Discounts: By having good grades, your teen shows they're responsible. This qualifies them for a discount with most insurance companies.
- Defensive Driving Class: Look into discounts offered to teens who take part in Driver's Ed or similar courses.
- Occasional Operator: Does your teen only drive limited hours, such as to and from school? You can add them to your vehicle insurance as an "Occasional Operator" to receive a discount.
- Student Away: For students who are "away at school," some companies lower your rates when they aren't home.
- Low-Mileage: If you know your teen won't be driving often, ask your insurer about a low-mileage discount. This is something almost anyone can take advantage of, not just teens.
- Anti-Theft Devices: Some insurers offer a discount when you install an anti-theft device in your vehicle. The discount varies depending on your state and the type of anti-theft device.
- Bundling Home and Auto Insurance: A lot of insurers offer discounted insurance bundles. Consider insuring your home and auto together for a lower rate.
- Safe Driving: With today's technology, you can download apps that monitor your teen’s driving habits. Some insurers give discounts for good driving while using these apps.
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