What date are car insurance companies looking for when asking for date first licensed?

"Do they want the date you got your learner's permit? Or the date you got your full driver's license?"

Answer
When car insurance companies ask for the date you were first licensed, they are looking for the date that you received your full, unrestricted license.
Companies ask for this date to confirm your driving experience. While you gain experience with a learner’s permit, you technically can’t legally drive without another licensed individual.
Insurance providers don’t consider the time with your learner’s permit as valid driving experience.
If you plan to get insurance and are newly licensed, expect significantly higher rates. Higher rates don’t mean you’re a bad driver. Statistically, newer drivers are more likely to get into an accident because of their limited experience on the road. As you gain more experience, your rates should decrease as long as you maintain a clean driving record.
If you need help finding car insurance, the free Jerry app will generate competitive quotes from top providers in less than a minute. Just because you’re a new driver doesn’t mean your insurance has to break the bank.
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Emily Maracle
Answered on Aug 18, 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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