It will depend upon your state's laws whether as a motorcycle permit holder if you need to obtain insurance at this point or if you will need to once you are fully licensed for the motorcycle or at all since some states do not require motorcycle insurance.

For example in Minnesota the Office of Traffic Safety notes that according to MN laws and regulations that all motorcyclists must do the following:

• Have a motorcycle instruction permit or a motorcycle endorsement.
• Register their motorcycle and display a valid license plate.
• Carry liability insurance for their bike and proof of insurance when riding.
• Wear eye protection, either a face shield, goggles, or glasses. Windshields no longer meet legal requirements

Also in Minnesota Motorcycle permit holders:

• Must wear a DOT-approved helmet.
• Cannot carry passengers.
• Cannot ride on interstate freeways.
• Cannot ride at night.
• Motorcycle permits are valid for one year.

Plus if you are under 18, you must:

• Complete an approved motorcycle rider training course.
• Wear a DOT-approved helmet.

In Delaware a motorcycle owner and driver is required to carry the same minimum amounts of bodily injury protection, property damage and personal injury protection as any other vehicle.

If you are a teen with a permit the DE Department of insurance notes that one should contact their insurance agent or company to inquire about when to added to a policy. Some companies require the teenager to be added the day he or she receives a restricted license or learner’s permit. Other companies do not require the addition until the teenager obtains a full or unrestricted license.

To find out what if your state requires you to have insurance with only a motorcycle permit contact your state's Department of Motor Vehicles and / or insurance regulatory body.