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When to add a teen driver to your auto insurance policy Many car insurance companies allow parents to list a teen with a learner's permit on the policy at no charge until the child becomes a fully licensed driver or turns 18 years of age (whichever is first).
There are some cases in which a teen with a permit needs to have car insurance before they have a license: If your teen has their own car, they'll need their own insurance, likely with an adult on the policy too.
Most insurance companies do not add on a child with a permit to the policy or charge for them yet since with a permit the person is to be supervised at all times when driving. Since insurance premiums will increase when you put your teenager on your auto policy, you will want to seek ways to save money.
In fact, insuring your teen is typically required by law (once they are licensed). Most states require drivers to have auto liability insurance before they can legally drive, according to the Insurance Information Institute (III). The student driver is covered by his/her parents' policy as a household member.
Need to Add a Teen to Your Insurance? If you're a two car-two family, adding a teen driver will increase your auto insurance quotes by an average of 58 percent, and a three-car family would be looking at an average increase of 62 percent. Teen drivers are among the riskiest group to insure.
If you have a learner's permit, you do need to have some type of auto insurance coverage if you want to actually drive a car. In most cases, however, you will not need to apply for your own auto insurance policy. So if you are driving your parents' car, you will be insured under their policy.
If you have a learner's permit, you need to be covered under an auto insurance policy. But in many cases, a person learning to drive does not need to apply for a car insurance policy on his or her own. As long as you are in the car of an insured adult over the age of 21, chances are their insurance will cover you.
Permit drivers, or teens with a learner's permit, are not required to carry insurance in Florida so long as they are driving under the supervision of a licensed adult over the age of 21.
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