McKayla Girardin, Car Insurance Writer
@mckayla_girardin
Yes, you can get insurance on a learner’s permit in most situations, such as if you own your own car or are an emancipated minor. New drivers are generally considered high-risk due to their lack of experience, however, so getting your own policy while you’re still on a learner’s permit can be pricey.
Adding a driver with a learner’s permit to an existing policy, such as a parent’s or guardian’s car insurance, is a much cheaper choice. Plus, permissive use allows new drivers to drive someone else’s insured vehicle without having their own insurance. This may be a good option for those who don’t own a car.
When Drivers With Permits Must Get Their Own Car Insurance
- They are an adult new to driving.
- The vehicle they drive is in their own name.
- The driver’s parents or guardians do not have auto insurance.
- They live at a different address than their parent or guardian and are not attending school.
Drivers who have a vehicle in their own name or who live at a different address than their parents are generally considered to be financially independent, so insurers require them to purchase their own policies.
To learn more, check out WalletHub’s guide to car insurance for new drivers.
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