Can a driver with a learner’s permit drive my car without insurance?

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Things to remember...

Driving without insurance is a serious offense. Anyone who owns a vehicle and is licensed to drive should have insurance at all times.

The challenge comes when someone who doesn’t have a car or a license starts to drive. Learning to drive is a lot like learning to ride a bike.

You can read all you want about it, but you have to physically drive to develop your skill.

As a learner driver, you can pose a threat to other people who are on the road. Learning on public roadways is the best way to learn in real life conditions but there’s always a chance that you could have an accident.

You don’t have to have insurance just because you have a permit, but the car you drive does need to be insured. Enter your ZIP code to find insurance quotes today!

The State Requires All Drivers to Have Insurance


State law says that all personal vehicles need to be insured. The laws may vary from state to state, but almost everywhere you go insurance is mandatory and not optional.

There’s always exceptions to the rule and the exceptions are currently in New Hampshire and Virginia. Everywhere else, every car that has a valid registration needs valid auto insurance.

You can’t drive a car without your license unless you have a permit. You also can’t stroll into the DMV and expect to get a learner’s permit whenever you want. Anyone who wants to get a provisional license needs to meet age and training requirements.

When you reach the age of 15 or 16, you can probably start planning so that you can get your permit.

Then you’ll have to pass a written exam about the laws of the road and an eye exam with or without your glasses. After you’re eligible, you’ll have to sign a paper saying you understand your duties as a restricted driver and your permit will be issued.

Do you need insurance if you have a permit and own your car?

You don’t have to have your driver’s license to buy a car. If you’re old enough to own property, you’re old enough to invest in a car and register it in your name.

Being the legal owner of the car doesn’t mean that you have to drive it but you will be legally liable if someone damages property in the car.

Since you’re the registered owner of a car, you do have to buy insurance in your name. Since you don’t have a license of your own, you’ll be the named insured but you won’t be a driver on the plan.

That means that you’ll have to name a primary driver on the policy before you’ll be eligible for coverage.

What happens if you’re not insuring a vehicle that you own?

If you decided to prepare for the moment that you would get your license, you need to insure the car or you’ll face some serious consequences before you’re even issued a license.

Letting your car be driven or parked on a public road without mandatory liability insurance is a misdemeanor in most places.

If your car is parked and the parking official checks the system and finds out it’s not insured, the car can be towed and impounded.

If you let your friend drive the car, you could be fined and ordered to appear in court. Even worse, you could have to pay for an uninsured loss out of your own pocket.

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Are learner drivers covered under their parents’ insurance?

If you still live with your parents and you’re getting a permit as part of a graduated driver’s license program, you probably won’t need any insurance because you’ll be automatically covered.

It’s standard protocol for auto carriers to give their policyholders coverage when teens are learning to drive. The parent still needs to keep their policy active and inform them that there’s a teen in the home getting ready to be licensed.

The parent still needs to keep their policy active and inform them that there’s a teen in the home getting ready to be licensed.

Is there a charge to cover a learner driver?


As long as the learner driver lives in the same home as the named insured and they are related, the insurer should provide automatic coverage.

Whether or not there’s some type of permit driver coverage fee depends on where you live and what company you’re with. You’ll have to inquire with your agent to find out if there will be a bill.

Are learner drivers covered to drive other cars?

Most of the time, someone who has a permit is only covered to drive cars in their own household.

If a teen is borrowing a friends car there’s no guarantee they will be covered to drive under the car’s primary policy. Permissive users have coverage when they borrow cars but there are restrictions.

Usually, permissive drivers have to be licensed for coverage.

There is a possibility that the parents’ insurance will pay for third-party liability claims when their teen is borrowing a friend’s car and gets into an accident. This is something you’ll have to ask your agent.

Learner drivers can legally drive without buying their own insurance. The rule of thumb is that you’ll have to have insurance when you have your own car.

Until then, you can lean on the primary car insurance policy that’s covering the vehicle at the current time. If you’re not comfortable with the limits that you have, see if you should raise them.

Use an online quote tool, get quotes, and see if it’s cheaper to switch carriers. Enter your zip code below to compare multiple car insurance companies at once!

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