Beginner Driver Insurance Pennsylvania PA

Reader’s Question:

My 19-year-old daughter is a beginner driver. She just got her permit. We’re from Pennsylvania. Does the state require her to have car insurance coverage? Do you think I should get her one?

Michael

Pittsburgh, PA

The requirements for beginner drivers are different from state to state. I believe that in Pennsylvania, those with only a learner’s permit aren’t required to have a car insurance coverage. So, your daughter won’t need a car insurance coverage until she finally gets her driver’s license. She might not even have to be listed as a driver yet.

However, when on the road, she must always be accompanied by an adult who is a licensed driver. So in your case, I advise that you inform your car insurance provider about your concern and ask whether or not she can be covered. Getting her covered is really up to the car insurance company.

Commonly, parents have their kids listed under their policy. If she only has a learner’s permit, I hear some car insurance companies won’t even charge you for it. Some can also sell car insurance coverage to those with only a learner’s permit, provided that they obtain their driver’s license after a certain period of time, like 30 days or so.

When she finally gets her license, you have two options. You can purchase a separate car insurance policy for her or as mentioned earlier, you can include her in your car insurance coverage. But as of now, the fact that you have car insurance coverage might be enough. Just be sure to discuss this with your car insurance provider.

Tags: auto insurance, Beginner car insurance