Learner’s Permit Car Insurance: Can I buy car insurance with a learner’s permit?
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 29, 2022
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.
UPDATED: Jun 29, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Cutting down on the number of distractions while you drive is a good idea to help you stay alert and focused.
- You must have the permit on you at all times while you are driving.
- Avoid any use of drugs or alcohol while operating a vehicle.
Although many car insurance companies require a valid driver’s license to buy car insurance, you may be able to purchase coverage with a learner’s permit. Can I buy a car on a learner’s permit? If you get car insurance with a learner’s permit, you can buy a car with a learner’s permit.
If you do find a company that offers learners permit car insurance, however, the rates are typically more expensive than they are for experienced drivers.
In this guide, we’ll teach you how you can use policy discounts to save money on car insurance for beginner drivers. Continue reading to learn more!
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Learner’s Permit Car Insurance Rates
Drivers with a learner’s permit are typically teen drivers. Car insurance companies charge more on car insurance policies for teen drivers.
What insurance companies accept a learner’s permit? Many of the top car insurance companies in the nation accept drivers with a learner’s permit.
However, kids are covered on their parents’ policy in most cases . Let’s examine the average annual rate for teen drivers by company.
| Company | Single 17-year-old female | Single 17-year-old male |
|---|---|---|
| USAA | $4,808 | $5,386 |
| Geico | $5,654 | $6,279 |
| Nationwide | $5,756 | $7,175 |
| State Farm | $5,954 | $7,324 |
| American Family | $5,997 | $8,131 |
| Farmers | $8,522 | $9,144 |
| Progressive | $8,690 | $9,625 |
| Allstate | $9,282 | $10,643 |
| Travelers | $9,307 | $12,851 |
| Liberty Mutual | $11,621 | $13,719 |
Teens with a learner permit will increase your car insurance rates by at least $2,000 per year. If you happen to live in a state where the average car insurance rates are higher than the national average ($3,900/year), you could pay tuition-like prices.
USAA, Geico, Nationwide, and State Farm learner’s permit insurance are among the cheapest. Travelers and Liberty Mutual car insurance for learner’s permit are the two most expensive car insurance companies in the nation.
The best way to curve learner’s permit car insurance is through policy discounts. Car insurance companies may give you a defensive driver or driving course discount if the teen has a valid driver’s license. With policy discounts, you can save up to 30 percent on learner’s permit car insurance.
Watch this video on tips on how you can save money with teen car insurance.
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What options do I have to drive with a permit legally?
Adding your name to your parents’ policy may be an option while you are at the driving permit stage.
The policy remains in their name, but you may be legally able to drive while you are in the process of obtaining your license.
This option may also work for states which require a Junior License after obtaining a permit yet before receiving your full-fledged driver’s license.
What are a junior operator license and the graduated license law?
A graduated license law is a law that requires the first time, and younger drivers accrue some hours driving before they take a road test.
The process of obtaining a license in Massachusetts starts with a learner’s permit then advances with a junior operator license for drivers under the age of 18.
At each stage, the driver is awarded fewer restrictions and more driving privileges.
Check with your state’s department of motor vehicles to see if either concept exists and what type of car insurance coverage you need for either stage in your country.
What are some restrictions for new drivers?
Driver’s permits typically require you do not drive without a licensed driver in the car, with requirements also extending to the age and length of time the driver has held a valid license.
Permit holders under age 18 may be restricted from driving during certain times of the day, such as between midnight and 5 a.m., without a parent or legal guardian who holds a valid license in the vehicle.
You must have the permit on you at all times while you are driving, and the license may also be valid only in the particular state in which it was issued.
Wisconsin’s graduated license law requires an additional 30 hours of driving practice that includes 10 hours of night driving, according to the Wisconsin Office of the Commissioner of Insurance.
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What happens if I mess up with a permit?
Depending on the extent of your violation while holding a permit, you could face some hefty penalties.
If you get in a crash or receive a moving violation, you may end up with a very long road to reaching your full, unrestricted license.
Drivers who hold a permit or junior license may also be subject to harsher penalties for specific offenses than more experienced drivers would be.
According to the Massachusetts state law, you’ll lose your learner’s permit if you’re convicted of any of these offenses:
- Racing
- Speeding
- Any motor vehicle violation that involves drugs or alcohol
Penalties will depend on the state and may consist of pretty severe fines, revocation of your permit for a specific length of time, and even require you to reapply for a new license later.
What can I do to drive safer and keep my car insurance rates lower?
Avoiding any use of drugs or alcohol while operating a vehicle is undoubtedly at the top of the list.
The social pressures of being a young driver and far higher than adulthood, but when you have the keys to a car, you must use adult judgment.
Driving while under the influence of alcohol and drugs is often met with a very harsh penalty that could affect your parents’ policy rates for the car you were driving at the time as well as other vehicles.
Other common-sense tips from the Illinois Department of Insurance include always wearing a seat belt and keeping your eyes on the road and ears open for danger.
The age and number of passenger rules for a young driver reduce distracted driving, as are state laws aimed at cell phone use and texting while driving.
No one can argue getting your learner’s permit is exciting, but this also comes with great responsibility.
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Frequently Asked Questions: Learner’s Permit Car Insurance
Let’s review what you’ve learned in the guide. These frequently asked questions appear on search engines across the internet. In addition to answers to these questions, you can get the inside scoop on car insurance by visiting our main page for more great reviews like this one.
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#1 – Can I buy a car with a learner’s permit?
Yes. Depending on the state, the dealership will not let you leave without having car insurance. It’s best to have a parent or legal guardian with you so that you can get cheaper rates and faster service from the dealership.
#2 – Do you need insurance with a driver’s permit?
Yes. If you plan to drive your car, you’ll need car insurance regardless of driving level.
#3 – Does Geico require insurance for learner’s permit?
No. Geico learner’s permit insurance is not available. All car insurance companies, big and small, will require driver’s on a policy to be insured.
#4 – Can you get car insurance with a permit in NY?
Yes. Your car insurance rates will be more expensive because you have a beginner driving experience.
#5 – What’s the cheapest way to insure a learner driver?
The cheapest way to insure a learner driver is through a parent or legal guardian’s car insurance policy. If you’re an adult with a learner’s permit, ask the car insurance company if they have any discounts available.
#6 – Does a learner’s permit affect insurance?
Yes. Drivers with a learner’s permit project higher risk, according to car insurance companies.
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance-related. We update our site regularly, and all content is reviewed by car insurance experts.