Car Insurance for Learner Drivers

Though car insurance for learner drivers can be purchased for short and flexible periods, it is usually a cheaper option for a family with a student driver to simply add them as a driver on the policy that currently covers the car. However, if the student driver is learning on a car which is titled in his or her name then a separate policy is necessary.

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Does a learner driver need special coverage?

Provisional driver insurance covers the driver as they transition through the various steps that are required by a new driver by many states. However, consider the following as a guide to learner driver insurance

  • Make sure to add the new driver on your policy requires notification to the insurance company. It can add a significant amount to your insurance premium but is likely your cheapest option

  • Read your policy and contact your agent to make sure you understand how your insurance company covers your car insurance for learner drivers

  • To lower the cost of learner driver’s insurance check for all discounts available to student drivers


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How to save on car insurance for learner drivers?

Some of the ways that you can save on you car insurance when you have a student driver are fairly obvious but others that might help may not.

  • A driving record free of violations and accidents for all drivers of the vehicles.

  • If you have multiple adding the student as a driver on just one car, separate coverage is more expensive.

  • If your vehicle is kept on the street, garaging it may reduce the cost.

  • If possible increase the amount of your deductible.

  • Restrict driving mileage on the student used vehicle where that is possible or reduce use.

  • Consider black box insurance

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