Auto Insurance for Driving Test

There is no DMV driving test insurance requirement. Proof of auto insurance for the driving test is typically requested before the exam is administered. If you need to buy insurance before a test, the average cost for a full coverage policy is $954.99/yr, or $79.59/mo.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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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 that meets the DMV driving test insurance requirement
  • One of the documents that you must show before you’ll be able to start your test is proof of auto insurance for the driving test
  • 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

Do you need insurance to take your driving test? When you do, the DMV will want to check that you have the right types of auto insurance coverage that meet your state’s requirements.

Read on to learn more about what you need to have with you on the day of your test, from proof of insurance to your vehicle information.

Get the insurance coverage you need at a price you can afford before your driver’s test. Enter your ZIP code above to compare car insurance rates for the driving test from top insurers; affordable car insurance for the driving test is only a click away.

Driving Test  Insurance Requirements

Do you need full coverage insurance to take a driving test? What do you need to bring with you on the morning of your driving test? 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.

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

Read on to learn more about the answers to do you need proof of insurance to take a driver’s test and to get your license.

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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 cheap auto 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.

When the DMV agent asks for proof of liablity insurance for driver’s licenses, the insurance can be 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.

Can you get auto insurance before you pass your test? You couldn’t buy insurance on the car just for a driving test beforehand because you have to have ownership in a car to insure it.

Is there one day auto insurance for a driving test?

Driving test insurance for one day is possible. Some insurers will sell short term insurance plans, which cover you for a few days up to a few months. Temporary auto insurance for a driving test won’t be required, though, if learner permit drivers are covered under another’s policy.

What are average auto insurance rates?

If you need to buy auto insurance for a driving test, you are probably wondering how much you should be paying. Take a look at the table below to see what your rates should be based on your age and gender.

Auto Insurance Rates by Age and Gender
Auto Insurance Rates by Age and Gender Single 17-year-old Female Average Annual Auto Insurance RatesSingle 17-year-old Male Average Annual Auto Insurance RatesSingle 25-year-old Female Average Annual Auto Insurance RatesSingle 25-year-old Male Average Annual Auto Insurance RatesMarried 35-year-old Female Average Annual Auto Insurance RatesMarried 35-year-old Male Average Annual Auto Insurance RatesMarried 60-year-old Female Average Annual Auto Insurance RatesMarried 60-year-old Male Average Annual Auto Insurance RatesAverage Annual Auto Insurance Rates
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31$1,992.92$2,014.38$3,443.09
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84$3,445.00$3,680.53$6,073.46
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72$1,873.89$1,873.89$3,260.00
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Driving Test Vehicle Requirements and Auto Insurance

Most drivers want to know can I borrow a car for your driving test. Borrowing a car for a driving test is allowed. Read on to learn what you need to do if you are wondering can I use a friend’s car for a driving test.

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

Can you borrow a car for your drivers test? 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, as long as you meet the DMV driving test insurance requirements.

Does the owner of the car have to be there for a driving test?

Is my car insured for the driving test? 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 with learner’s permit insurance 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 car for a driving test and you don’t live with them, you may be covered as a permissive user.

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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 road test insurance 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.

Compare car insurance quotes for the driving test today using our free rate tool and see how much you could save on auto insurance for a driver’s test. Find the best car insurance company for you and don’t wait — buy car insurance for the driving test today.

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