Ah, these are scary times! The teenager in the family is learning to drive! Only yesterday they were struggling to walk, now they are behind the wheel of the family automobile. How did we get here so fast? And, more importantly, does the learner now need car insurance?

In short, yes, a person who has a learner’s permit does need car insurance. But that doesn’t mean they need their own car insurance. It means the learner must be covered under an automobile insurance policy.

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If The Learner Lives At Home…

Young drivers’ who have a learning permit will be covered under their parent’s insurance policy as long as they live at home. Note, it doesn’t have to be a parent – it could be a grandparent, guardian, etc. The rule is that the learner must be under the insured’s supervision and under a certain age limit. The age limit depends on the insurance company and the state in which you live. Check with the auto insurance company to see what limitations apply and if the leaner specifically needs to be added to the insurance policy.

At The Driving School…

The driving school will carry their own automobile insurance, so buying an extra policy is not necessary. The school’s insurance will cover the learning driver as long as they are accompanied with a licensed instructor.

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If The Learning Driver No Longer Lives At Home…

It is still possible to be carried under someone’s insurance policy, even if the learner isn’t living with his or her parents or legal guardian. A driver with only a learning permit can be covered under a spouse’s policy, a relative’s policy, or even a roommate’s policy.

If The Learner Is Forced To Get Their Own Car Insurance…

It is possible for a person with a learning permit to purchase car insurance. However, it is difficult and the learner may have shop around in order to find coverage The insurance may be expensive, and various restrictions will apply. If this situation applies to you, get multiple online insurances quotes here at Cheap Quotes Car Insurance and find the cheapest rate available.