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Car insurance for learner’s permit drivers

Get cheap car insurance even with a new driver on your policy.

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Fact checked

It’s a rite of passage: Your child has passed their exam for a learner’s permit and is now ready to get behind the wheel. But how to learner-proof your car before they start driving? After you’ve made sure they understand the unspoken rules of the road, get them covered under your car insurance policy.

Our top pick: Progressive

Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.

  • Broad coverage, including for custom car parts or ridesharing
  • Transparent pricing tools that help you buy within budget
  • Accident forgiveness on small claims or for staying claim-free
  • Stack a variety of discounts for multiple cars, autopay or homeownership

Do learner’s permit drivers need special coverage?

No, new drivers aren’t required to get a different kind of coverage. You can typically add a learning driver to your current policy so that they’re covered under the same terms.

  • Add a new driver to your policy. It’s usually cheaper to add a student driver to your existing car insurance. If you can find a provider willing to sign up a student for a standalone policy, it will likely be significantly more expensive.
  • Understand exclusions. Carefully read your policy’s terms and conditions to learn how your provider handles learner’s permits. Most policies specify whether family members in the same household can share a car with full or partial coverage under the same policy, along with any exclusions.
  • Ask for student discounts. Learning drivers can be expensive to insure. Ask your current car insurance provider to learn how to cut the costs for covering a student driver, with discounts for students, good grades and more.

What kind of car insurance do new drivers need?

Car insurance covers drivers with learner’s permits just like anyone else, so you don’t need special coverage. Instead, you’ll want to decide the types of coverage you want:

  • Liability coverage. Protects your teen driver from damage that results from an accident they’ve caused.
  • Collision coverage. Pays for the cost of repairing or replacing your vehicle if your new driver is in an accident.
  • Comprehensive coverage. Protects against damage caused by almost anything other than a collision, like theft, vandalism or weather damage.
  • Personal injury protection. Covers post-accident injuries and in some cases lost income.
  • Uninsured or underinsured motorist coverage. Covers the cost of repairs if an uninsured or underinsured driver damages your vehicle.
  • Roadside assistance. Covers towing and roadside help after a car breakdown. Consider adding this coverage until your new driver learns how to change a flat tire or if they drive an older car.
  • Accident forgiveness. Prevents rates from going up after an at-fault accident. Look for free accident forgiveness or individual accident forgiveness in case your new driver has a fender bender.

Compare car insurance for learner drivers

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
Progressive
Optional
30%
All 50 states
Discover coverage that’s broader than competitors, valuable discounts up to 30% off and perks like shrinking deductibles that reward no claims.
Clearcover
Optional
Yes
AZ, CA, IL, LA, OH, TX, UT and WI
Get instant online support and score a low rate thanks to online data that sets premiums automatically.
The AARP Auto Insurance Program from The Hartford
Optional
Yes
All 50 states & DC
Drivers over age 50 can enjoy low rates and perks designed for mature drivers, plus freebies and AARP member perks like free replacement cost coverage.
Allstate
13%
All 50 states
Your dedicated agent can help you find the best savings with multiple discounts and rewards programs.
EverQuote
EverQuote
Optional
Yes
All 50 states
Roll in a variety of car insurance quotes from top insurers despite a high-risk driving profile, and view possible discounts while you’re at it.
Esurance
40%
All states except AK, DE, HI, MT, NH, VT, WY
Take advantage of this online company's low base rates and mobile tools like app-based telematics and teen safe driver programs.
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Compare up to 4 providers

How much is car insurance for a teen driver?

Cheap car insurance for an 18-year-old

AgeCheapest annual rate
15$2,296
16$1,829
17$1,509
18$1,378
19$1,334
20$1,292
21$1,252

How to save on car insurance with a learner driver

Car insurance for young drivers is expensive. That’s because new drivers are more likely to get in accidents until they gain more experience behind the wheel.

The best way to keep your car insurance rates low is to start with a strong one by comparing quotes from a range of insurers. By practicing safe driving and protecting your vehicle, you can find cheap car insurance rates.

  • Maintain a clean record. Stay within the speed limit and avoid traffic violations to keep your insurance claims to a minimum and potentially reduce your rates in the future.
  • Don’t get separate coverage. It’s often cheaper to add a driver with a learner’s permit to your current policy.
  • Garage your car. Vehicles kept overnight in a secure, locked garage are often cheaper to insure than cars parked on the street.
  • Choose a higher deductible. A higher deductible often results in a lower rate, though make sure your savings can support paying more upfront after an incident.
  • Drive less. If you’re not a frequent driver or your new driver will only be driving occasionally, look into insurers that specialize in low-mileage or pay-as-you-drive policies.

Car insurance discounts for learner drivers

You’ll find a handful of discounts to lower your rates that your learner driver may qualify for.

  • Good student. Get a discount if your driver is a student and maintains good grades.
  • Online policies. Some providers offer discounts for purchasing coverage fully online.
  • Safety devices. Equip your car with safety features like seatbelt pretensioners and additional airbags to save on your rates.
  • Antitheft devices. If your vehicle is equipped with alarms or other theft deterrents, you might be eligible for a discount.
  • Low-mileage drivers. People who drive less frequently could see lower rates. Or consider usage-based car insurance, where cost is based on how much you drive.
  • Defensive driving. You could get a discount for completing a driver training or defensive driving course.
  • Multicar. Most insurers offer savings for bundling multiple vehicles under the same insurance policy.
  • Telematics device. Increasingly, providers are adopting telematics devices that track your driving habits for lower rates.

Get the cheapest quotes

Just enter your ZIP code and click Compare.

When can a learning driver upgrade to a full license?

StateLearner’s permitRestricted licenseFull license
Alabama151617
Alaska141616.5
Arizona15.51616.5
Arkansas141616.5
California15.51617
Colorado151617
Connecticut1616.318
Delaware1616.517
Washington, DC1616.518
Florida151618
Georgia151618
Hawaii15.51617
Idaho14.51516
Illinois151618
Indiana1516.518
Iowa141617
Kansas141616.5
Kentucky1616.517
Louisiana151617
Maine151616.5
Maryland15.7516.518
Massachusetts1616.518
Michigan14.751617
Minnesota151616.5
Mississippi151616.5
Missouri151618
Montana14.51516
Nebraska151617
Nevada15.51618
New Hampshire15.51617.1
New Jersey161718
New Mexico1515.516.5
New York1616.517 with classes; 18 without
North Carolina151616.5
North Dakota141516
Ohio15.51618
Oklahoma15.51616.5
Oregon151617
Pennsylvania1616.517 with classes; 18 without
Rhode Island1616.517.5
South Carolina1515.516.5
South Dakota1414.516
Tennessee151617
Texas151618
Utah151617
Vermont151616.5
Virginia15.516.2518
Washington151617
West Virginia151617
Wisconsin15.51616.75
Wyoming151616.5

Bottom line

New drivers have a lot to worry about, from passing the driver’s test and following the rules of the road to getting insured to drive the family car. Adding your teen driver to your car insurance isn’t cheap, but it is the best way to get them the coverage they need to stay safe on the road. Compare car insurance rates to make sure you’re getting the best deal for you and your new driver.

Frequently asked questions about first time drivers

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2 Responses

  1. Default Gravatar
    SarahFebruary 20, 2019

    Hello, I’m 29 and I have a learners permit. I was wondering how I would go about getting car insurance on my new car so I can register it?

    • Avatarfinder Customer Care
      JhezFebruary 21, 2019Staff

      Hello Sarah,

      Thank you for your comment.

      Please note that when you have a learner’s permit, you can own and insure your own car, but you won’t be able to drive alone and you can expect higher car insurance premiums.

      We have a list of several insurers above that can provide you cover for your car. Please remember that some factors may vary per state so it’s important to check which state the car insurance is available. After comparing the policies, please click the Go to Site button to directly get a quote.

      Please make sure to read the eligibility criteria, features and details of the policy, as well as the relevant Product Disclosure Statement PDS/T&C’s of the policy before making a decision and consider whether the product is right for you. If necessary, speak to the insurance brand to verify any details.

      Regards,
      Jhezelyn

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