Marissa Hayes is a technical editor and contributing writer. She holds a Bachelor’s Degree in history, and she was the editor of the literary magazine, The Bluestone Review.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years. He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com.

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Reviewed by Daniel Walker
Licensed Car Insurance Agent

UPDATED: Apr 1, 2021

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The Short of It

  • Most drivers with a learner's permit don't need their own car insurance.
  • Generally, a parent or significant other's auto insurance will cover a driver with a learner's permit.
  • Learner driver insurance is available in certain circumstances.

Although you can get auto insurance with a learner’s permit, it's usually not necessary. Most of the time, a learning driver will be covered under another policy.

In some cases, you may need your own learner's permit insurance, such as if you are an adult living by yourself and wish to drive. The good news is that some companies do offer car insurance with a permit, but it might be costly.

Whether you are looking for your own auto insurance coverage or looking to add a new driver to your policy, you can save money by shopping around.

Enter your ZIP code to find affordable auto insurance for new drivers and compare learner's permit auto insurance quotes.

Do drivers with a learner's permit need their own auto insurance?

The answer is no, as long as you live with someone that has an auto insurance policy and can add you to it.

If you live at home or with a significant other, you will usually be covered under their car insurance if you have a learner's permit.

However, if you have a car in your name or live alone, you might have to get your own policy instead of being added to a current policy.

How does a new driver affect your auto insurance?

Car insurance companies use many factors to determine rates. Things like the car you drive, where you live, and how far you commute are all brought into consideration.

Two of the most important factors to determine rates are age and driving record. Since new and permitted drivers are usually young and have no driving history, their rates are much higher than older drivers.

According to the Insurance Institute for Highway Safety, teens are four times as likely to crash as drivers over the age of 20. These statistics are part of the reason rates are so high for young drivers.

This table shows you the average annual auto insurance rates for 17-year-olds. This helps you see how age is one of the causes of higher insurance.

Average Annual Auto Insurance Rates for 17-Year-Olds
CompanyAverage Annual Rates For a Single 17-Year-Old FemaleAverage Annual Rates For a Single 17-Year-Old Male
Allstate$9,282.19$10,642.53
American Family$5,996.50$8,130.50
Farmers$8,521.97$9,144.04
GEICO$5,653.55$6,278.96
Liberty Mutual$11,621.01$13,718.69
Nationwide$5,756.37$7,175.31
Progressive$8,689.95$9,625.49
State Farm$5,953.88$7,324.34
Travelers$9,307.32$12,850.91
USAA$4,807.54$5,385.61
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Auto insurance for 17-year-old drivers averages about $691 a month. You can also see that male drivers pay more than females, but some states don't allow gender to be used to determine rates.

Should your parents add you to their policy?

It's usually a good idea to add a learner's permit driver to the parent's car insurance instead of them getting their own coverage. The coverage is usually cheaper because the company has the older driver's information to work with.

You can also take advantage of discounts parents might get, like multi-policy and continuous coverage, to bring down rates on all of the coverages.

Parents should notify their insurance provider once the child gets a learner's permit, even if they don't have to be added to the policy yet. It's always better to give your company a heads up instead of calling after an accident with a driver they've never heard of before.

What are graduated licensing laws for new drivers?

Graduated licensing laws are in place for young drivers in each state. These laws determine things like how many passengers can be in the vehicle, when the new driver is allowed to drive, and when the graduated license turns into a full driver's license with no restrictions.

These laws vary from state to state so you will need to find out from your DMV what the rules are in your state.

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How can you reduce auto insurance rates for young drivers?

Although the cost of car insurance for teen drivers is high, there are ways to help lower those rates.

A few ways to reduce rates are:

  • Auto insurance discounts: There are several discounts out there for young drivers, including good student, driver's education, and safe driver discounts.
  • Choose the right car for your teen: Purchasing a car that is safe but not overly expensive will help keep rates low. Auto insurance companies charge higher rates for cars that are pricey to repair or replace.
  • Compare car insurance quotes to find cheap companies for young drivers. Each company will charge different rates, so looking at multiple quotes will help you find the best deals.

There are many driver's permit insurance considerations, such as policy and pricing. Shopping around will get you the best new driver and driver's permit auto insurance rates out there.

Enter your ZIP code to compare auto insurance quotes for new drivers or drivers with a learner's permit.