New drivers with a learner’s permit in Indianapolis, IN, must have auto insurance to drive. They can either obtain separate auto insurance or share an auto insurance policy with someone else. Irvington Insurance breaks down both options, categorizing them by age and specific circumstances.

Auto Insurance Options for Teen Drivers with a Learner’s Permit

Teen drivers with a learner’s permit are more likely to be added to their parent’s auto insurance because they are underage. This allows them to enjoy the same benefits as their parents and build an insurance history. Having a track record makes it easier for them to get separate auto insurance later. Bundling is also more affordable, even as rates increase. Individual auto insurance tends to cost more due to their lack of driving experience.

In rare cases, a teen driver with a learner’s permit may need a separate auto insurance policy. This could be because their parents don’t have auto insurance, they have a separate residence with a permanent address unrelated to school or college, or they own a vehicle, either as a gift or purchased.

Auto Insurance Options for Adult Drivers with a Learner’s Permit

Adult drivers with a learner’s permit can be added to the auto insurance policy of a parent, spouse, family member, or roommate. Bundling two people in one policy is usually cheaper than getting individual auto insurance. However, they might be better off getting separate auto insurance if there are policies that specifically cover learner’s permits.

An alternative to auto insurance is borrowing a vehicle from a licensed and insured driver. The driver’s insurance covers you as long as the driver is in the car each time you use it.

Permit holders in Indianapolis, IN, can benefit from the guidance of an experienced auto insurance agent to help them choose a policy. For detailed and personalized permits and auto insurance information, visit or call Irvington Insurance.