New Jersey car insurance guide for young drivers

As teens approach driving age, understanding car insurance for young drivers becomes essential. Whether you’re a parent preparing to add a teen to your policy or exploring coverage options for a new young driver, knowing the basics can help you make informed decisions. 

 Is car insurance required  with a learner’s permit?

New, unlicensed drivers with a learner’s permit are covered under the car insurance policy of the registered vehicle owner. Once they obtain their probationary driver’s license, they must be covered as a rated driver. They can be on either their own policy, if they are the registered owner of the vehicle, or their parents’ policy.  

Special learner’s permit 

A special learner’s permit allows teens to practice driving as soon as they turn 16.

Special learner’s permit requirements:

Be at least 16 years old 
Enroll in a driver training course by a licensed school 
Complete at least six hours of driver training 
Pass the knowledge and vision tests 
Consent of a parent/guardian

When should I add my teen driver to my insurance policy? 

Once your teen driver gets their probationary license, you should add them as a driver to your policy. You should inform your insurance carrier once your teen driver obtains their learner’s permit, so your carrier is aware. 

Why is car insurance so expensive for young drivers? 

Car insurance is so expensive when adding a young driver to your policy because there is an increased risk as a teen is a less inexperienced driver. You should be prepared for a bump in what you’re currently paying for car insurance when you add your teen driver to your policy.  

When should young drivers stay on a parent’s policy? 

Young drivers should stay on a parent’s policy until they own their own car or move to a different permanent address.

When should drivers get their own auto policy? 

Drivers should be on their own policy if they are the owner of the car they drive. It’s the responsibility of the car’s owner to insure it.

Adding your teen to your policy or having them purchase their own is a personal decision. Often, it is more cost effective to add the teen to your existing insurance. We’re happy to help you with your unique insurance needs and get you great coverage at a great price. 