Auto Insurance for Driving Test

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Things to remember...

  • When you are ready to take the DMV driver’s licensing exam, you must bring the proper documentation
  • One of the documents that you must show before you’ll be able to start your test is proof of auto insurance
  • When you’re driving a vehicle that’s owned by your parents’, you’ll have to show their insurance ID cards for the car
  • You’re automatically covered to drive your parents’ vehicle if you live in the home and you’re testing for a license
  • If you borrow a friend’s car, verify their policy will extend to you and show their ID cards to the DMV agent

You have to earn your driver’s license it’s not just going to be handed to you. Since you have to prove that you have the skill and that you’re responsible enough to maintain driver’s license, your license is considered a privilege and not a right.

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After you’ve held your permit and you’ve completed driver’s training, you need to make an appointment to come in and test behind the wheel.

You need to be prepared to provide all of the documents that the DMV requests at the time you arrive for your appointment. If you’re scrambling to get all of your documents together on the morning of your test, you’ll stress yourself and you could even be late.

To avoid missing out on your test date, here’s what you must know about getting insurance for your test:

What do you need to bring with you on the morning of your driving test?


It’s never good to procrastinate when you have an important appointment with the DMV. You need to bring in your verification documents so that the DMV can determine whether or not you’re eligible to test when you arrive.

Here’s what the DMV will ask you to provide when you check in at the testing counter:

  • Proof of your scheduled appointment
  • Your vehicle for safety inspections
  • Proof that you’ve taken behind-the-wheel classes when they are required
  • Proof of current registration
  • The fee for the driving test
  • Learner’s permit of proof of adult driver education when required
  • Proof of current liability insurance on the vehicle you’re driving for the test

Do you have to own the vehicle that you’re taking your test in?

It’s not the norm for people who don’t have their license to own a car. Some teens are lucky enough to receive a car as a gift once they get their permit but the vehicle is still going to be registered in their parents’ names until they become adults.

Driving your parent’s car is perfectly allowed and very common whenever teens are given permission to apply for their license.

Adults who decided to get their license later on in life may have a car registered in their name even though they aren’t licensed to drive it. This isn’t a DMV requirement but it can make things easier when you’re trying to gather registration documents and insurance cards.

You are allowed to drive your parents’ car, borrow a friends car, or rent a car all for the purpose of taking it on your driving exam.

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Does the insurance on the vehicle have to be in your name?

If you’re testing in a car that you’re familiar with but you don’t own, you can’t be expected to have insurance on the car in your own name.

In fact, if the DMV required you to provide proof that the insurance was in your name it would go against their requirements that say that a car’s insurance and registration need to match each other.

The DMV agent will ask for proof of insurance on the car and not necessarily proof of insurance on you as a driver. If the insurance is in your best friend’s name, that’s fine as long as it’s on the car that you’re driving and your best friend is the person the car is registered to.

You couldn’t buy insurance on the car just for a driving test anyways because you have to have ownership in a car to insure it.

Are you covered under the vehicle owner’s policy?


It’s only natural to worry that something might happen in the vehicle during the test. This is why you need to make sure that you’re covered when you’re borrowing the car.

Your friend might be nice enough to lend you their car but they also need to be focused on checking to see if accidents will be covered while you’re testing.

Usually, teens who have their permit can drive their parents’ vehicles as long as the teen is being supervised by an adult as they are driving. This means that they would automatically be covered under their parents’ insurance when they are testing.

If you’re borrowing a friend’s car and you don’t live with them, you may be covered as a permissive user.

What is a permissive user?

When insurance is concerned, a permissive user is someone who isn’t listed on the policy but who has been given permission to drive the car by the vehicle owner.

There’s not a charge to protect the insured when they are lending their car out as long as the person who is borrowing the car doesn’t live with them. Some carriers have strict permissive use restrictions.

How do you get insurance on a rental car?


Renting a car for a driving test can be a bit risky. Technically, you would have to have someone who is licensed rent the vehicle for you since you don’t yet have your license.

When they sign the agreement, they are saying that no one else will drive the car. You may be driving it for testing, which does violate the contract.

You’ll have to see if the rental agency has a special arrangement just for people who are testing to get their license. If they do, be sure to get the paperwork from the agency and get insurance to show the DMV that the car is registered to the rental car company.

Auto insurance is required when you’re taking a driving test. Since the test taker doesn’t have their license, they’ll need coverage under someone else’s coverage for the time being.

There is also the option to buy a short-term nonowner’s policy for temporary liability protection. If you do this, make sure you get quotes from the specialty carriers by shopping online and then make the purchase.

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