In Pennsylvania, you can obtain a learner's permit at the age of 16. Any individual under the age of 18 must get the consent of a parent, guardian or spouse age 18 or older to get a driver's license.
Typically if you are old enough to have a driver's license or own a car you can buy an auto insurance policy. If you are a minor, your parent or guardian will usually have to sign on the insurance contract with you though. To see if Pennsylvania has set a mandated minimum age at which you can purchase insurance, check with the PA Insurance Department.
A car might be able to be insured under two different policies under certain circumstances. For example, if there is more than one owner of a vehicle (co-owners), they each might decide to have their own policy on the vehicle.
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