Insurance companies' underwriting guidelines vary as do their rating systems so both insurance carriers are correct. It is usually up to the individual insurance company to determine if a teenager should be added to the policy at the time they receive their learner's permit or wait until they get a provisional, junior or full driver's license.

It would appear that American Family did not require your son to be insured with only a permit but allowed you to wait to add him to the policy until he was further along the licensing process however Esurance's underwriting rules call for your daughter to be added to the policy when she first started the licensing process and received her permit.

You could contact the Minnesota insurance regulator to get more information on state auto insurance laws and MN rating regulations regarding young drivers.