Does Insurance Cover a Driver Who Only Has a Learner’s Permit in Florida? 

Navigating the world of auto insurance can be complex, especially when it comes to new drivers who only have a learner’s permit. In Florida, understanding the insurance requirements and options for permit holders is crucial for ensuring legal compliance and financial protection.

Insurance Requirements for Learner’s Permit Holders

Florida drivers, including those with learner’s permits, must be covered by auto insurance. The state requires minimum amounts of personal injury protection and property damage liability coverage.

Adding a Learner’s Permit Holder to an Existing Policy

For most families, the simplest and most cost-effective way to insure a learner’s permit holder is to add them to an existing auto insurance policy. This approach ensures that the new driver is covered under the same policy as the rest of the household, benefiting from the same coverage limits and protections.

Adding a permit holder to an existing policy can also help them build an insurance history, which can be beneficial when they eventually need to secure their own policy.

Parents and guardians should be aware of the potential impact on their insurance premiums when adding a learner’s permit holder to their policy. Insurance companies generally consider new drivers as higher risk, which can lead to increased premiums.

However, many insurance providers offer discounts for good students or for completing driver’s education courses, which can help offset these costs.

Obtaining a Separate Policy

In some cases, it may be necessary for a learner’s permit holder to obtain their own auto insurance policy. This situation might arise if the permit holder does not live with their parents or guardians or if they own their vehicle.

While this option can be more expensive, it ensures that the permit holder is fully covered and compliant with state laws.

Contact Us

Contact INSANDTAGS.COM to learn more about your auto insurance options for new drivers.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.