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Do I need car insurance with a learner's permit?
I am an adult (24) learning to drive for the first time. I live with my S.O., who has AAA, and I want to practice driving with his car. Do I need to purchase my own car insurance policy first?
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Regardless of your age, you will need car insurance when learning to drive. The easiest option is to be on your significant other’s
car insurance
policy. Since you’ll be driving his vehicle, being on his AAA
policy will ensure you’re protected. While car insurance typically follows the vehicle, regularly driving a car without being on a policy can result in a
claim denial
if there’s an accident. Since all new drivers are high-risk, being on a policy alone could be significantly more expensive than being listed on your significant other’s. Adding you to his policy will likely increase his premium, but it should be less than the cost of your own.
If your partner adds you to their policy and the rate does increase, shop around. Insurance companies offer different rates for new drivers, so you may be able to find a lower rate elsewhere.
You can request quotes online or use the
Jerry
. Jerry does all the hard work of comparing quotes from the top 50 providers and delivers the best deals to your phone in minutes for free.”View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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