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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.
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.
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:
Age | Cheapest annual rate |
---|---|
15 | $2,296 |
16 | $1,829 |
17 | $1,509 |
18 | $1,378 |
19 | $1,334 |
20 | $1,292 |
21 | $1,252 |
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.
You’ll find a handful of discounts to lower your rates that your learner driver may qualify for.
State | Learner’s permit | Restricted license | Full license |
---|---|---|---|
Alabama | 15 | 16 | 17 |
Alaska | 14 | 16 | 16.5 |
Arizona | 15.5 | 16 | 16.5 |
Arkansas | 14 | 16 | 16.5 |
California | 15.5 | 16 | 17 |
Colorado | 15 | 16 | 17 |
Connecticut | 16 | 16.3 | 18 |
Delaware | 16 | 16.5 | 17 |
Washington, DC | 16 | 16.5 | 18 |
Florida | 15 | 16 | 18 |
Georgia | 15 | 16 | 18 |
Hawaii | 15.5 | 16 | 17 |
Idaho | 14.5 | 15 | 16 |
Illinois | 15 | 16 | 18 |
Indiana | 15 | 16.5 | 18 |
Iowa | 14 | 16 | 17 |
Kansas | 14 | 16 | 16.5 |
Kentucky | 16 | 16.5 | 17 |
Louisiana | 15 | 16 | 17 |
Maine | 15 | 16 | 16.5 |
Maryland | 15.75 | 16.5 | 18 |
Massachusetts | 16 | 16.5 | 18 |
Michigan | 14.75 | 16 | 17 |
Minnesota | 15 | 16 | 16.5 |
Mississippi | 15 | 16 | 16.5 |
Missouri | 15 | 16 | 18 |
Montana | 14.5 | 15 | 16 |
Nebraska | 15 | 16 | 17 |
Nevada | 15.5 | 16 | 18 |
New Hampshire | 15.5 | 16 | 17.1 |
New Jersey | 16 | 17 | 18 |
New Mexico | 15 | 15.5 | 16.5 |
New York | 16 | 16.5 | 17 with classes; 18 without |
North Carolina | 15 | 16 | 16.5 |
North Dakota | 14 | 15 | 16 |
Ohio | 15.5 | 16 | 18 |
Oklahoma | 15.5 | 16 | 16.5 |
Oregon | 15 | 16 | 17 |
Pennsylvania | 16 | 16.5 | 17 with classes; 18 without |
Rhode Island | 16 | 16.5 | 17.5 |
South Carolina | 15 | 15.5 | 16.5 |
South Dakota | 14 | 14.5 | 16 |
Tennessee | 15 | 16 | 17 |
Texas | 15 | 16 | 18 |
Utah | 15 | 16 | 17 |
Vermont | 15 | 16 | 16.5 |
Virginia | 15.5 | 16.25 | 18 |
Washington | 15 | 16 | 17 |
West Virginia | 15 | 16 | 17 |
Wisconsin | 15.5 | 16 | 16.75 |
Wyoming | 15 | 16 | 16.5 |
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.
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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?
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