Is my teenager a covered driver, even though he only has a permit?

My son has his permit, but can only drive if other licensed adults are in the car with him. Since he isn't listed on the insurance yet, will we be covered if he is in an accident?

Answer provided by
Shannon Martin
Answered on Apr 29, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Insurance follows the vehicle, so any driver you give permission to operate the car is covered, unless they are specifically excluded from the policy.
Even if your son only has his permit now, you can still add him as a driver to your policy. With most carriers, there is no cost to add a permitted driver; however, the price will change once he has a valid drivers license.
Once he is licensed, don’t forget to inquire about additional discounts like the good student discount or the driver training discount. This is a great way to save money on your policy.
Another way to save money on car insurance is by downloading the Jerry app. A licensed broker, Jerry does all the hard work of finding the cheapest quotes from the top name-brand insurance companies and buying new car insurance. Jerry will even cancel your old policy for you!”

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