Learner’s Permit Auto Insurance

When it comes to learner's permit insurance, there are a few things you should know. Auto insurance for a 17-year-old driver can average between $578-$1,103 a month. While you can get your own auto insurance for a permit driver, you most likely will not have to. Most young drivers get on their parents' auto insurance policy, which can save you some money. And with discounts, you may be able to find cheap auto insurance for permit drivers. As long as the permit holder is in a vehicle that is insured by an adult over the age of 21, the vast majority of insurers will cover the permit holder. However, to register a vehicle, the young driver will have to have a driver's license. Compare rates today.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and Cinncinati.com. ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Jul 19, 2021

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Can't-Miss Facts

  • The best bet is to be added to your parents’ policy if you are a permit holder.
  • If you are trying to get insured on your own as a permit holder, it will only be for a short period of time.
  • You can not register a vehicle if you only have a permit as opposed to a license.

Are you interested in learning more about learner’s permit auto insurance? We’re going to detail this process step by step. You can also read our article on teaching teens to drive if you’re nervous about your child being on the road for the first time.

In the meanwhile, type your ZIP code into our free, helpful tool below to find learner’s permit auto insurance rates in your area.

Can I insure a car with a permit?

You’ve obtained your first vehicle as a young driver and you’re wondering, “Is a permit enough to get it insured?” For some companies, yes, you can get a policy with a learner’s permit. With that being said, the permit holder will usually need to procure a driver’s license within about a month.

Can you register a car with a learner’s permit? To register a vehicle, you have to have plates and registration information, which are only attainable with a license.

The following video sheds further light on what you need to register a vehicle.

In short, you can be insured as a permit holder, but you cannot register your own vehicle. To learn more, check out our article on Insuring a Vehicle Not Registered to You.

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Do you need insurance with a learner’s permit?

Do you have to have insurance to drive with a permit? Yes, and it’s actually fairly simplistic. According to the government of Massachusetts, most permit holders will not need to apply for their own insurance policy because they’re usually driving in a vehicle insured by an adult, presumably his or her parents.

An added benefit to being on a pre-existing policy is the financial implication. This next table will show you a rate comparison for various demographics. Notice how much higher a 17-year-old’s policy is in comparison to every other demographic.

Connecticut Average Annual Auto Insurance Rates by Demographic
CompaniesAverage Annual Rates for a Married 60-Year-Old FemaleAverage Annual Rates for a Married 60-Year-Old MaleAverage Annual Rates for a Married 35-Year-Old FemaleAverage Annual Rates for a Married 35-Year-Old MaleAverage Annual Rates for a Single 25-Year-Old FemaleAverage Annual Rates for a Single 25-Year-Old MaleAverage Annual Rates for a Single 17-Year-Old FemaleAverage Annual Rates for a Single 17-Year-Old Male
State Farm Mutual Auto$1,670.41$1,670.41$1,815.86$1,815.86$2,041.38$2,342.71$5,517.07$6,936.22
Travelers Home & Marine Ins Co$1,806.15$1,800.54$1,810.97$1,837.61$1,970.21$2,216.01$13,987.79$22,605.07
USAA CIC$1,826.50$1,802.82$1,958.26$1,937.36$2,622.21$2,716.62$6,175.72$6,480.54
Nationwide Discover Agency$2,105.93$2,209.18$2,343.37$2,370.04$2,717.04$2,921.42$6,485.04$8,226.75
GEICO General$2,107.40$2,124.47$2,272.26$2,278.35$2,191.49$2,126.23$5,263.28$6,225.80
Progressive Casualty$2,252.80$2,346.17$2,642.90$2,461.27$3,016.42$3,379.83$11,031.05$12,232.33
Safeco Ins Co of IL$2,706.04$3,337.15$3,516.76$3,825.92$3,558.72$3,883.84$17,597.17$19,837.39
Allstate F&C$3,382.07$3,621.23$3,673.14$3,634.67$3,843.87$4,038.70$11,215.24$13,243.90
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Provided the permit holder is in a vehicle that is insured by an adult over the age of 21, the vast majority of insurers will cover the permit holder.

Insurance Companies That Accept Permits

What insurance companies accept a learner’s permit?

Finding companies that will insure someone who has only a learner’s permit and not a license can be hit or miss. For instance, even a massive company like GEICO requires its insured to have a valid driver’s license.

While there is no list of companies that insure permit holders, it is well worth noting that we do not recommend starting a policy on your own as a teenager or permit holder. If possible, hop onto a preexisting policy.

Before you buy learner’s permit auto insurance, shop around to find an affordable learner’s permit auto insurance company. Companies to look for include:

  • State Farm learner’s permit insurance
  • Car insurance for a learners permit from GEICO
  • Learner’s permit insurance from Progressive
  • USAA learner’s permit insurance
  • Travelers insurance learner’s permit

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Do Learner’s Permit Drivers Need Their Own Insurance?

In most instances, it’s better, and cheaper, to add a driver with a learner’s permit to their parents’ auto insurance policy.

Why insure a learner driver?

​Most states require all drivers to carry some form of auto insurance. Even if you just driving on a learner’s permit you need to be insured.

New drivers are more apt to make a mistake than seasoned drivers. It’s better to make sure you have adequate coverage in case of an accident.

Type your ZIP code into our simple, free tool to find learner’s permit auto insurance quotes in your area.

Frequently Asked Questions: Learner’s Permit Insurance

#1 – Can my parents add me to their policy?

Almost all major insurers allow drivers over the age of 21 to add others, such as their children, to an existing policy.

#2 – Are there cheap auto insurance companies for young drivers?

If you are looking for cheap car insurance for permit drivers, GEICO, Progressive, State Farm, and Allstate are seen as financially reasonable options for young drivers.

#3 – What is a GDL?

A graduated driver’s license (GDL) is a set of laws designed to help young and new drivers develop safe driving habits by restricting certain driving privileges until the driver has a full driver’s license.

#4 – Are there auto insurance discounts for young drivers?

Many auto insurance companies do offer discounts that can help younger drivers save money. Check with your insurance agent about savings for safe drivers, good students, or completing driver safety courses.

#5 – Where can I get the cheapest car insurance quotes for permit drivers?

Comparing multiple auto insurance quotes online is the best way to find cheap car insurance rates for permit drivers.

 

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