Do you need auto insurance when you have a learner's permit?

Answer 1

More input from Wiki s contributors:

• In all 50 states, vehicle owners are required to carry some form of financial responsibility, generally, this requirement is filled by an automobile insurance policy, although in some states it may be satisfied by a bond or other form of security. When you or a member of your household owns a vehicle and you obtain a learner's permit, you must be added to the insurance policy that covers that vehicle as a household operator. Not all insurance companies will charge additional premium to add you as an operator..
• However, if you obtain a learner's permit and neither you nor any members of your household own a vehicle, you will not need to obtain separate insurance. Make sure that any non-owned vehicle that you drive in is covered by an automobile insurance policy and that you follow the restrictions of your learner's permit. As long as you are a permissive operator (meaning that you have permission from the owner to drive the vehicle), you will usually be covered by the owner's insurance policy..
• I'm from WA state and a parent to a 17 and 20 year old and they were covered under our auto policy until them became a licensed driver. Check with your insurance company but, under no circumstance would I or my kids with out insurance!.
• I think it varies from state to state and depends on your individual insurance company and the type of policy purchased. We are in Illinois and have State Farm insurance and I also have a 15 year old that is getting his permit next week. I spoke with my insurance agent and NO I do not need to add him until he gets a full license. Even then don't sweat it to much especially if you are with a good company because most offer big discounts for good students and provide safe driving seminars..
• I live in Virginia where you don't need an, "Insurance Policy," at all. Instead of buying an insurance policy you are allowed to pay into a general fund, about $400 per year..
• Whichever car you're driving should be insured, and in some cases, if it's your parents' policy then you will need to be specifically added to that policy. Once you get your license and are 18 years of age you can start looking for your own insurance policy. However, please remember that it's difficult for teenagers to get a decent auto insurance quote.
• The State of New Hampshire does not require Insurance. If a vehicle is financed, the lending institution will require it but if you own a vehicle outright, there is no state law mandating insurance coverage. It would be foolish to not have any insurance at all. A simple liability policy is pretty cheap but there isn't a lot of coverage. If you get hurt or hurt someone, it's on you to take care of damages and medical responsibility. You don't have to have it, but you should and don't get caught without it.
• If you are the permit holder and you are driving your parents' car, you may be covered under your parents policy depending on the coverage purchased so long as you are driving with permission of your parents. If they have a standard form policy it will generally cover you. Some companies require a permitted child be added to the policy for coverage while others do not require until you get your full license, In most states there is a service that gets the names of new licensees and cross checks it with the list of insureds at an address and will inform the insurer of the new licensee so that you can more easily be 'added' if your parents 'forget.' If your parents continue to 'forget' some insurers will automatically add you to the policy and send your parents the new much higher premium....which is why your parents would have 'forgotten' for so long.

Answer 2

Auto Insurance with a Learners Permit Yes, all drivers in the U.S. are required to carry proof of financial responsibility when operating a motor vehicle on public roads. A Driver's or "Learner's Permit" is "Permission" to drive and therefore a temporary drivers license with certain restrictions.

When you are driving on a Learner's Permit, be sure to observe all the rules and restrictions of your permit. You can obtain your own auto insurance or you may be eligible for coverage under the vehicle owners policy such as your parents or another existing auto policy but you must have coverage.

A Driver's Permit comes with all the same responsibilities of anyone who operates a motor vehicle on public roads, including our financial responsibility.