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Answered 2015-06-05 16:22:20

Insurance and Learners permits

Yes, All 50 U.S. states require that a driver carry the appropriate Financial Responsibility. There is No exception of law in any U.S. state for a learners permit.

A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions.

You can obtain your own insurance or you can be covered under someone else's policy such as the vehicle owners or your parents or legal guardians insurance policy but you must have coverage.

If you are a minor then you can still obtain auto insurance, but due to contract law your parent or guardian will have to countersign the insurance application. It's almost always cheaper to be added to your parents policy. A Drivers Permit comes with all the responsibilities of anyone who operates a motor vehicle on public roads, including your financial responsibility.

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Some Insurance companies have underwriting guidelines that do not require the insured to schedule a newly permitted child of the insured on the policy until after they have graduated from the learners permit to a full license. This has led many people to erroneously assume that this is a matter of law when it is not, It is simply the policy of that particular company not to charge you while your child is learning. Most companies require that all drivers be scheduled within 30 days of licensing or permitting. So Make sure you check with the insurance company first.

In Texas a dealer is required by law to verify that you have Insurance before you can drive the car off the lot. The law does not require you be over 18, only that you have the proper insurance.

Drive safe - Buckle up.

Auto insurance

You would need insurance if you are operating the vehicle on public road

You can lose everything you have if you have an accident and are not insured. The other party can obtain a judgment which can follow you for years or your parents if you are a minor.

Other Opinions When our teenaged boys received learner's permits (the last in 2007) the company told us they were covered under our policy. We did not have to add them to our policy until they received drivers licenses at age 16. Other companies may have different policies. Your insurance company can provide definitive answers.

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Related Questions

Can you drive in Georgia with an out of state learners permit?

You can drive in Georgia with an out of state learners permit. You need to be accompanied by a driver over the age of 21, and you have to have valid insurance.



Can you drive in Georgia with a New Jersey learners permit?

It is legal to cross state lines having only a learners permit IF you abide by the original rules that you follow in your state.


Can you drive in Arizona with a California learners permit?

No, Arizona does not allow learners permit at all.


Do you need a learners permit to learn how to drive?

that's the purpose of a LEARNERS permit


What is the difference between a learners permit and a permit?

There is no difference in a learners permit and a permit. People just say permit because it is shorter than saying learners permit.A permit or learners permit lets you drive with an adult of 21 or over with a valid license.A drivers license lets you drive by yourself without the adult.


Do your parents need to upgrade their insurance for you to drive their car with a learners permit?

It's not usually necessary to declare you as a driver with the learner's permit. That comes when you get your license and can drive indepentently.


Can you drive in the state of Florida on a learners permit without insurance?

The VEHICLE that you are driving must be properly insured.


How late can you drive with a learners permit in New York?

In the state of New York you are allowed to drive with your learners permit from 5am to 9pm


Can your son drive a rental car with a learners permit with you?

Yes But He Needs To Have A Learners Permit. Answerd By TG


Can you drive to work with a learners permit in DE?

Your destination is not relevant, you may not drive without the necessity of complying with ALL the requirements of your learners permit.


If you have a New Jersey state learners permit can you drive outside NJ with it?

Most states do not honour out-of-state learner's permits.


Does one need auto insurance to drive with a learners permit in Texas?

You will have to have insurance on the vehicle to drive in Texas any way you go about it. Texas is a state that has mandatory insurance coverage. The owner of the vehicle needs to add you as a driver and give them your license information. Most insurance companies do not charge anyone additional premium for a person with a learners permit. I assume your laws are that you can only drive with a licensed driver in the vehicle whenever you drive.


If you drive on a learners permit with an adult in the car and get in an accident will insurance pay for the damages?

As long as the Adult:Has properly informed the insurance companyHas insuranceWas not drunk or otherwise negligent.


Is it legal to drive with a Colorado learners permit in California?

Yes, You can it is just saying you got your learners permit in Colarado


Can you insure your car with learner's permit in New Jersey?

No, the person who owns and/or will drive the insured vehicle must have a valid driver's license. Not totally true, it really depends on the insurance company. Some might insure the driver with just a learner's permit. If we can assume that the person with a learners permit is under 18, then the answer is no. However if the person has a learners permit but is somehow over 18, that is a different story.



Is it legal to drive in South Carolina with New York state learners permit?

It is not legal to drive in South Carolina with New York learners permit. You have to say in New York with that. Learners have to stay in New York cause its a New York state learners permit.


Can you drive in Canada with a learners permit?

Yes you can drive in Canada with a learners permit. But you must be a Canadian citizen and there should be a person with a valid driving licence on the wheel.


Can you drive a car with a trailer on a learners permit as long as you have a parent with you?

No, the learners permit is good only for the operation of the instructional vehicle.




If you are going to work and have your learners permit may you drive alone?

no, you cannot drive alone with a learner's permit


Can you drive in Georgia with a Florida Drivers learner's permit?

You can only drive in the state where the learners permit was issued.


Can you drive a car without insurance if you have a learners permit?

In my state WV the answer is no. You can not. It might be diffrent in other states but I don't think so.


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