Can you get insurance with a permit in Georgia?

Yes, you can get car insurance with a permit in Georgia if your vehicle is registered in your name and your insurer allows it. If the vehicle you will be driving is registered to someone else, then you should be added to their existing car insurance policy. Adding a driver to a policy is as simple as calling the insurer and giving them some brief information about the new driver.

How to Get Car Insurance With a Learner’s Permit in Georgia

Add the driver to an existing policy.

Once the driver has obtained their learner’s permit, an existing policyholder, such as a parent or guardian, can call their insurer and ask to add a driver to their policy. Car insurance for teens is incredibly expensive, since teens are statistically more likely to be involved in an accident, but it is cheaper to be added to an existing policy.

For instance, an individual car insurance policy for a 16-year-old in Georgia costs an average of $4,508 per year. On the other hand, a shared policy for a family that includes a teenage driver costs a total of $3,148 per year, on average.

Purchase a new policy.

In some instances, drivers with learner’s permits may need to purchase their own policy – if the driver’s car is registered and titled in their own name, for example. They will also likely need their own policy if they live at a different permanent address from their parents or guardian.

However, not every insurer allows drivers with only a permit to purchase their own policy, and drivers may need to wait until they are fully licensed.

Drive legally.

While a driver with a permit can get car insurance, you will still have to abide by Georgia's laws for actually driving with a learner’s permit. If you are caught driving illegally, the cost of your insurance will increase because you will be seen as riskier to insure.

To learn more, check out WalletHub’s tips for how to get car insurance as well as our editor’s picks for the best car insurance for teens and young drivers.