Do You Need Insurance With a Learner’s Permit?

Drivers with learner’s permits must have at least the minimum required car insurance coverage in their state. Insurance costs for teens are typically high initially but may decrease with a clean driving record. Adding a teen to a family policy is usually cheaper than a separate policy. Discounts and maintaining a clean record can reduce costs. Coverage requirements vary by state, and some insurers charge immediately for permit drivers while others wait until licensure.