How Much Does It Cost to Add a Permit Driver to Your Insurance?

If you have a teen or new driver in your household, you may be wondering how much it costs to add a permit driver to your car insurance policy. The good news? In most cases, adding a learner’s permit driver is free or comes at a minimal cost. However, once they get a full driver’s license, your rates may increase significantly.

In this guide, we’ll explain how insurance companies handle permit drivers, how much it costs to add them, and ways to save money on coverage.

Do Permit Drivers Need to Be Added to Insurance?

Most insurance companies automatically cover a driver with a learner’s permit under a parent’s or guardian’s policy. However, some insurers require you to formally list them on your policy. It’s always best to check with your insurance provider to avoid gaps in coverage.

When Do You Need to Add a Permit Driver?

✔ If your insurance provider requires all household drivers to be listed.
✔ If the permit driver has their own car and needs a separate policy.
✔ If they’re the primary driver of a family vehicle.

How Much Does It Cost to Add a Permit Driver?

The cost of adding a permit driver varies based on your insurance company, state, and driving history. In many cases, permit drivers can be added for little to no extra cost until they get a full license.

Once They Get a License, Expect Higher Rates

When a teen or new driver moves from a learner’s permit to a full driver’s license, insurance costs typically rise. Here’s why:

✔ Higher risk – Young drivers have a higher likelihood of accidents.
✔ Lack of driving history – No track record means insurers charge higher premiums.
✔ Type of vehicle – Sports cars and newer models increase costs.

On average, adding a newly licensed teen driver to an existing policy can increase rates by 50% or more, depending on the state and insurer.

Ways to Save Money When Adding a Permit Driver

Even though young drivers are expensive to insure, you can lower costs with these strategies:

1. Take Advantage of Discounts

Many insurers offer discounts for:

✔ Good students (B average or higher)
✔ Driver’s education courses
✔ Low annual mileage
✔ Safe driving programs

2. Choose a Safe, Affordable Car

Adding a permit driver to a policy with an older, safe, and reliable vehicle (such as a sedan) can keep insurance costs lower.

3. Consider Usage-Based Insurance

Some insurers offer pay-per-mile or telematics programs, where rates are based on actual driving habits rather than age alone.

4. Compare Insurance Quotes

Shopping around and comparing multiple insurance quotes can help you find the best rate. Some companies offer better deals for young drivers than others.

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