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Does a Teen with a Driving Permit Need to Be on Our Car Insurance Policy?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 08/12/2013

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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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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