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How do I get car insurance with a learner's permit?
I’ve lived in a city my whole life and haven’t needed a car. But I recently got a job outside of the city and have to commute, so I got my learner's permit. How do I get car insurance?
Lauren Smith · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“Congratulations on learning how to drive and your new job!
Normally, a learner’s permit requires you to have a fully licensed driver in the car with you. In most situations, a learner will drive that person’s car. Since
insurance generally follows the car
, you’d have coverage under their policy with permissive use. If you’re borrowing a family member or friend’s car, you can also ask them to add you as a driver to the policy. Being listed as a driver will ensure that their insurance protects you whenever you are driving the vehicle.
If you’ve got your
own car
, there are car insurance companies
that will issue policies with a learner’s permit. To find a company that will issue a policy, you’ll need to shop around. You should also expect to spend more on insurance. As you’ve never had a license before, insurance companies consider you high risk. Until you establish a
clean driving record
, insurance companies expect you’ll submit claims. If you want to see what coverage is available and the deals you can get, start comparing insurance companies with the
Jerry
app. Jerry pulls quotes from the top 50 companies in under a minute and delivers the best deals right to your phone.Happy driving!”
View full answer
- Gregory R.
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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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