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Do You Need Insurance with a Learner’s Permit?

All drivers using Maryland public roads are required to carry auto insurance. Insurance is based per-driver, not per vehicle. Even if you’re driving a vehicle whose owner has insurance, the driver is the one whose policy is used in the case of an accident. This means that you will need insurance with a learner’s permit, even if you don’t own your own car yet. Getting insurance as a new driver can be a bit difficult, as many insurance companies won’t take the risk. But with the right plan of action, you can get the coverage you need to start earning your hours toward getting a driver’s license.

Insurance with a learner’s permit can be a bit difficult to get at first

How to Get Insurance with a Learner’s Permit

When getting a learner’s permit, you’ll likely have someone already in mind who will be your licensed driver for practice. This person could also be instrumental in helping you get an insurance policy so you can drive. Depending on your living situation, there are a few different ways you can get the insurance you need.

Adding to Your Parent’s Insurance Policy

In many cases, teen drivers with a learner’s permit can be added to their parent’s insurance policy. While you may still get denied due to the high-risk factor, most insurances are more likely to agree to coverage if your parent has a safe driving record. However, this is only an option if you live at the same address as your parents. You also must drive a vehicle registered in their name. If you live at a different address or have your own vehicle, you may not be able to get on their insurance plan.

Adding a Licensed Co-Signer

If you’re looking for insurance and can’t use your parents, you may be able to get a policy with a co-signer. Any licensed driver who lives at the same address as you can help you secure insurance coverage. Another family member or roommate, for example, may be able to help you qualify. This option will likely include higher premiums, however, as the risk factor is still considered high for new drivers.

Getting Insurance Through MAIF

If you live alone or otherwise can’t get insurance due to being a new driver, MAIF could be the answer. Because the law requires all drivers to have insurance coverage, the Maryland Auto Insurance Fund can help provide coverage to those who struggle to find private coverage. If you can prove denial from two or more insurance companies, then you have a right to insurance coverage through MAIF. While the premiums may be higher, there are ways you can work on lowering your monthly payments. 

If you struggle to find insurance as a new driver, let MAIF help. Call us today at 301.476.4887 or schedule an appointment online to learn more about our Maryland auto insurance policies for new drivers.