Yes, with certain car insurance companies it’s possible to get a policy with only a learner's permit.
Typically, you will need a valid driver’s license or be able to get one with a short period of time, usually 30 to 45 days, to start a car insurance policy with most auto insurance providers.
If you can obtain a full driver’s license within around 30 days of your policy’s inception date, some insurance companies may offer you a policy now. The insurance company might, though, require you take out your policy with a driver who has a regular (full and valid) operator’s license until you graduate to a driver’s license.
Your age may also be a factor in whether you can start your own auto insurance policy now with just a learner’s permit. If you are under 18, many car insurance companies will require that you have a parent or guardian sign on the policy with you, since you are still a minor.
An insurance policy is a legal contract, and most states require someone at the age of majority (over 18) to sign the documents to make them binding. Also, most car insurance companies have underwriting restrictions saying that the named insured cannot be under the age of 18.
If you are a minor and your parents already have a policy, you should see if you can be added to their policy for coverage. This will not only be easier but save you money since having your own car insurance policy as a young driver is very expensive. Being placed on your parent’s policy is still costly but is usually more affordable than getting a policy of your own.
Use our car insurance estimator to find a car insurance policy that fits your needs.