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Does the insurance go up if you get a learners permit?


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Wiki User
2015-07-15 20:54:49
2015-07-15 20:54:49
Depends upon the state in which you reside, as well as the company. Check with your state's Department of Insurance. If you mean, "Will the parents' insurance go up once a teenage driver gets his/her learner's permit and begins driving," the answer is "yes." The parents insurance rates would reflect the increased risk of having a teenage driver on the policy. Short of excluding the teen driver on the policy and making him buy his own insurance, there are ways to lessen the increased rate. One is to enroll the teen in a driver's ed course (he'd need to attend and pass the course, naturally). Another is to avoid letting your teen drive sports cars or vehicles associated with roll-overs (ie, think of getting a "Honda Civic" type car). And, of course, a good record on the teen's part is helpful. If you look at some of the other questions on this general topic, you will see that with MOST insurance companies, you don't even have to add the child with the learner's permit to your policy, they are automatically insured. BUT YOU MUST DOUBLE CHECK WITH YOUR INSURANCE COMPANY. I got my learner's permit last year, and my parent's insurance HAS NOT GONE UP.

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How can insurance go up if you don't have it? You have to have it first for it to go up.

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Yes, the premium will increase as you must be included as a driver in their policy. I disagree. It depends on the insurance company. Mine told me my rates will not go up when my son gets his permit, but they do want to be notified. Rates will go up when he becomes licensed.

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If a person with only a learners permit gets a reckless driving ticket, they will have to pay the ticket. Depending on the state they may be required to attend classes, and their insurance rates will go up.

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It is possible that the insurance rate would go up if a permitted driver has an accident. Usually, raising insurance rates is not an individual decision.

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Yes. In most cases, depending on your insurance company and state, your insurance will go up after an accident, especially if you have a learner's permit.


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