There are a bunch of essential items to check off your list you must have before you can get your hands on the wheel of a car. At least, legally speaking. 

Such items include a driver’s license, registration, and car insurance.

However, there is a caveat to the first item, your driver’s license. If you are under the age of 18, you must obtain a learner’s permit before you can apply for a driver’s license. 

At this point you might wonder if you can get car insurance with a learner’s permit. Or is it even necessary to get insurance if you have a permit. In this article, we will answer this question and provide more information on these requirements.

Can I Get Car Insurance With A Permit?

The short answer is yes, you can obtain car insurance with a learner’s permit if you do not yet have your driver’s license. However, while it is possible, this process is far more difficult without a license.

There are a select number of car insurance companies that accept permit drivers as clients. And even those companies maintain strict guidelines. 

What are Permit Drivers Requirements for Car Insurance?

As an individual with a learner’s permit, you must fulfill the following requirements to get covered:

  • Proof that you will be receive a license within 30 to 45 days of your application
  • You have a licensed driver on your car insurance policy
  • You are over 18 years old

As you can see, the requirements are a bit stringent, thus it can be quite difficult to get car insurance coverage with just a learner’s permit. 

If you have met these requirements, what are the next steps?

What are the Next Steps to Obtain Car Insurance?

If you on your parent’s car insurance policy, next ensure that you meet these requirements:

  • You underwent a driver’s education class
  • You get good grades on that test
  • Get a car with good safety features
  • You cannot drive too far 

On the other hand, if you live alone and are not on your parent’s car insurance policy:

  1. Shop for a car insurance company that offers policies to permit-only drivers
  2. Understand the requirements of the above policy
  3. Find quotes from your top choice car insurers
  4. Sign that policy if you have decided upon a quote and you meet the requirements

Additional Information about Car Insurance Policies

Car insurance policies offer different types of coverage. Each is suitable for varying situations on the road or for your car. 

Again, if you are only a permit driver, the available car insurance policies for you include the following:

  • Liability coverage. Liability car insurance coverage is a type of car insurance coverage that provides coverage for the other party if you are found at fault for an accident.
  • Collision coverage. Collision car insurance coverage provides coverage for many types of damages that are the result of a wide range of incidents that happen while you are driving.
  • Comprehensive coverage. Comprehensive car insurance coverage provides coverage for damages to your vehicle that is due to an unexpected event.
  • Personal injury protection. This provides coverage for your and your passengers’ medical expenses in case of an accident.

And there you have it! We hope that this article answers your questions about getting car insurance as a permit-only driver. Additionally these tips can help you plan out how you will obtain car insurance.

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