Does one need auto insurance to drive with a learner's permit in New Jersey?

Answer 1

Insurance and Learners permits

Yes, All 50 U.S. states require that a driver carry the appropriate Financial Responsibility. There is No exception of law in any U.S. state for a learners permit.

A Drivers or Learners "Permit" is permission to drive and therefore a temporary license with certain restrictions.

You can obtain your own insurance or you can be covered under someone else's policy such as the vehicle owners or your parents or legal guardians insurance policy but you must have coverage.

If you are a minor then you can still obtain auto insurance, but due to contract law your parent or guardian will have to countersign the insurance application. It's almost always cheaper to be added to your parents policy. A Drivers Permit comes with all the responsibilities of anyone who operates a motor vehicle on public roads, including your financial responsibility.

More answers

Some Insurance companies have underwriting guidelines that do not require the insured to schedule a newly permitted child of the insured on the policy until after they have graduated from the learners permit to a full license. This has led many people to erroneously assume that this is a matter of law when it is not, It is simply the policy of that particular company not to charge you while your child is learning. Most companies require that all drivers be scheduled within 30 days of licensing or permitting. So Make sure you check with the insurance company first.

In Texas a dealer is required by law to verify that you have Insurance before you can drive the car off the lot. The law does not require you be over 18, only that you have the proper insurance.

Drive safe - Buckle up.

Auto insurance

You would need insurance if you are operating the vehicle on public road

You can lose everything you have if you have an accident and are not insured. The other party can obtain a judgment which can follow you for years or your parents if you are a minor.

Other Opinions When our teenaged boys received learner's permits (the last in 2007) the company told us they were covered under our policy. We did not have to add them to our policy until they received drivers licenses at age 16. Other companies may have different policies. Your insurance company can provide definitive answers.