How do you insure a learner driver on their own car?

My daughter just got her learner's permit. She has her own car, so we'd like her to get her own insurance. Can she be on her own policy?

Answer
As exciting as a permit is for a young driver, finding a car insurance company who will issue a policy to a driver with a learner’s permit is difficult.
Drivers with a learner’s permit are required to drive with a licensed driver, so most insurance companies won’t insure them alone, especially due to the high risk they carry.
Even if you can find a company that will insure her, the price will likely be very high. Although your daughter has her own car, adding her to your current policy until she gets her full license is the better move.
However, you can reduce the cost of having an inexperienced driver added to your policy with a few hacks.
See if your policy is eligible for any of the following discounts:
Once she has more experience driving, the cost of her insurance should decrease.
If you want to see what companies would insure her with a permit, you can request a quote from your current company or go to Jerry. This free app collects quotes from up to 50 top insurance companies in seconds!
Emily Maracle
Answered on Oct 19, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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