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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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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.
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
How much is car insurance for a teen driver?
Cheap car insurance for an 18-year-old
|Age||Cheapest annual rate|
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.
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When can a learning driver upgrade to a full license?
|State||Learner’s permit||Restricted license||Full license|
|New York||16||16.5||17 with classes; 18 without|
|Pennsylvania||16||16.5||17 with classes; 18 without|
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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