The specific driving privilege that a teen has determines if they have to be on your car insurance policy.
Teen drivers with driving permits DO NOT have to be listed on your insurance policy. They are not officially licensed drivers yet, and they cannot drive without an experienced licensed driver in the vehicle, so insurance companies don’t look at them the same way as they do teens with their official license.
However, talk to your insurance agent or company about their specific policy on teen permit drivers. This would also be a great time to talk to your insurance company or agent as to what you and your teen driver can do to decrease the impending jump in your car insurance premium once they are added as drivers to your policy.
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