Our Daughter Just Got Her Driver’s Permit. Do I Need To Tell Our Auto Insurance Company?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 16, 2021

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Insurance companies ask for all licensed drivers in the household. While your daughter holds a learner’s permit she is not considered a licensed driver. She is covered while driving a car but does not need to be added to the policy until she actually takes the written and driving tests and is licensed. At that time you should call your agent or company and provide them with her name, date of birth and license number. In most states the temporary number she is given when she passes her driving test will be the same as her permanent number. When she is added to the policy, be sure to ask about all the possible credits she is eligible for (such as good student discount and driver’s training discount). Be prepared for a substantial increase your insurance costs, in spite of what credits she may earn!

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