Do You Need Insurance With A Learner's Permit

DO I NEED INSURANCE WITH A LEARNER’S PERMIT?

CAN THOSE WITH A LEARNER’S PERMIT OBTAIN CAR INSURANCE?

Car insurance can protect new drivers that have their learner’s permit even though they are not able to drive alone yet. Luckily, new drivers are potentially covered by one of their parent’s insurance plans. As a parent, adding your young driver to the insurance policy should not cost you anything until a later date. Typically, the rate will increase when your young driver earns their official license. Therefore, adding your teen to your insurance is often the preferred choice.

DO DRIVERS WITH LEARNER’S PERMIT’S NEED AUTO INSURANCE?

Whether a driver has a learner’s permit or has been driving for 30 years, they should still have car insurance. Some states require that those with learner’s permits to have car insurance while others don’t. Regardless, every driver in your household should be mentioned and listed in case they are to get into an accident and your insurance company likely already requires you to do so. If your insurance company is not informed of a driver that gets involved in an accident, they can deny your claim and leave you with a heavy bill. Adding your teen to your car insurance is the most efficient way to make sure that they are covered and protected from any unforeseen events, especially if they are still living in your home.

GETTING YOUR OWN CAR INSURANCE POLICY.

While the most cost-efficient method is being added to a parent’s policy, if that is not an option, new drivers are still able to buy their own insurance policy.

Buying your own insurance policy could be your only option if:

  • You have your permit as adult

  • You’re a new driver and your parents don’t have car insurance

  • You are a young driver and don’t have the same permanent address as your parents

  • You’re an emancipated minor

  • You bought your own car

HOW MUCH CAR INSURANCE DO DRIVERS WITH A LEARNER’S PERMIT NEED?

A driver with a learner’s permit must meet the state minimum car insurance requirements. This can be done through their parent’s policy or their own. While each state is different, many require a minimum amount of liability auto insurance and can even have further requirements like personal injury protection coverage.

Florida requires drivers to have at least:

  • $10,000 in liability coverage for body injuries

  • $20,000 in bodily injury coverage per accident

  • $10,000 in liability coverage for property damage

  • $10,000 in personal injury protection coverage

If your new driver causes an accident, the state minimum amount of car insurance will most likely not cover all the costs. You should aim to make sure you have enough insurance to cover what you could lose in a lawsuit following a car accident.

HOW MUCH IS CAR INSURANCE FOR YOUNG DRIVERS WITH A PERMIT?

Like we said before, as a parent, adding your teen to your car insurance policy in most cases won’t cost you anything. However, once your teen is fully licensed and driving on their own, your car insurance premium is definitely going to increase.

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