Best Car Insurance for a Learner's Permit

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Best Car insurance for Learner’s Permit


A learner's permit is the first big step towards adulthood and the freedom that comes with it. But, with this freedom comes the confusing, expensive, and sometimes tedious responsibility of owning and understanding your car insurance. Even if you do not have a car to insure, there are car insurance implications of getting your learner's permit. Whether or not you need car insurance, if you need to be added to your parent’s policy, and where to find cheap car insurance as a new driver are all topics we will discuss. Let’s get started.


Best Car Insurance with Learners Permit
  1. When do you need insurance with a learner’s permit?
  2. Can you be added to your parent’s policy?
  3. What are the cheapest car insurance companies for a young driver?




Can you get car insurance with a learner’s permit?


Simply put, yes. While it may sound strange, but you don’t even need a driver’s license to get car insurance. Moreover, you’re able to purchase and register a vehicle all with just a learner’s permit. But there are certain circumstances where you might not need car insurance, as you could be automatically covered by your parent’s or significant other’s policy.





Can my parents add me to their policy?


The most common circumstance for someone with a learner’s permit is a young teen driver living with their parents. In this scenario, whether or not you needed to be added to their car insurance company will depend on the insurance company’s rules. Some car insurance companies have provisions within the policy to cover drivers with a learner’s permit. However, other car insurance companies require anyone of driving age (even if they don’t have a driver's license or learner’s permit) to be added to the policy as an excluded or included driver.

It’s never a good idea to assume anything about your insurance company. So, if you’ve just received your learner’s permit or your teen has, make sure you speak to your insurance company about your situation. If you assume they’re covered and they’re not, you run the risk of having a claim denied.

This same rule applies to anyone else you might be living with — a spouse or a significant other. If you’re living with someone full time, you should speak to their insurance company about the implications of your driving status.





Cheap companies for young drivers


As we stated, whether or not you need to be added to your parent’s or significant others policy will depend on the company and unique situation. Thus, it’s difficult to give car insurance quotes for companies. However, we skipped ahead to the next step of your driving life and created a user profile (outlined here) where a licensed teen was added to their parent’s policy. Here, we can see that, all other metrics constant, Geico and Progressive were the cheapest companies for families with young drivers.


Cheap Car Insurance for Young Drivers

Location State Farm All State Geico Progressive Liberty Mutual
Columbus, OH $1,964 $1,355 $544 $858 $1,002
McKinney, TX $4,065 $4,019 $1,082 $1,075 N/A
Fresno, CA $2,533 $1,088 $1,238 $1,272 $2,919
Scranton, PA $3,015 $1,524 $708 $1,280 $846
Aurora, CO $3,419 $3,490 $1,363 $1,673 $1,935
Average $2,999 $2,295 $987 $1,231 $1,676

You should consider our data a starting point and not a strict rule. Every company will view you differently and thus charge you differently. So, your best bet to finding affordable car insurance is to shop around as much as possible. Be upfront about you or your child’s learner permit status ahead of time.

Bear in mind, however, getting car insurance with a learner’s permit may be fairly expensive. Car insurance companies use driving age and years of experience as major rating factors which could hurt your chances at keeping your premium low. Again, the best way to mitigate this is to look at as many companies as possible.


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Additional Resources


If you’re looking for more help on finding car insurance with a learner’s permit or just tips on car insurance in general, see our additional articles here.





Methodology


We randomly selected five zip codes in different areas across the US and assessed rates from five popular companies in the US based on net premiums written. Here are the zip codes we selected:


  • Columbus, OH - 43216
  • McKinney, TX - 75070
  • Fresno, CA - 75070
  • Scranton, PA - 93722
  • Aurora, CO - 80013

With that created, we decided to get the male and female teen two parents with two vehicles in order to create a base to build the teenage driver profiles from. This is the information we chose to use:


  • Parent's DOB: 08/01/1960
  • Mother's Vehicle: 2015 Toyota Sienna LE, owned, driving 12,000 miles/year
  • Father's Vehicle: 2015 Toyota Crewmax, owned, driving 12,000 miles/year
  • Driving Record: no accidents or citation
  • Education: BA
  • Licensed at: 16
  • Occupation: Manager Level - Accounting
  • Insurance History: Max amount selectable of previous years with insurance company, limits at 100/300/100

Next, we needed to create the profile of the teen drivers; one female, one male:


  • Teen's DOB: 08/01/2000
  • Teen's: 2015 Toyota Camry, owned, 12,000 miles/year
  • Driving Record: no accidents or citation
  • Education: Above B Above
  • Licensed at: 17
  • Occupation: None


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