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Getting Car Insurance Using a Provisional License

Here's what you need to know...
  • There are a number of different ways to get insurance for a provisional driver such as adding that driver to an existing policy
  • Provisional drivers are often viewed as inexperienced drivers which have higher insurance rates
  • Know how your insurance company handles provisional drivers so your policy does not get canceled if you add a provisional driver to your policy
  • Males with provisional driver’s licenses will pay more for car insurance than females with provisional driver’s licenses

Even with a provisional driver’s license, your vehicle is required to be insured. This requirement is present in every state with no exceptions.

To get FREE online car insurance quotes from many top companies, just type your ZIP code above now!

Drivers with Provisional Driver’s Licenses

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Some provisional drivers may have lost their license due to serious traffic violation such as driving with no insurance. The court then requires the driver to obtain insurance on their vehicle before they can get their full license back.

An auto insurance company may temporarily issue a policy so that the driver can obtain a full license.

If the insured fails to obtain a driver’s license, then the car insurance company may cancel their policy due to no license.

Not every insurance company covers individuals with suspended driver licenses or provisional driver’s license.

In some cases, if you add a provisional driver to a policy without letting the auto insurance company know, they may ask you to remove the driver or cancel your policy completely.

It is always good to check with your auto insurance providers prior to adding provisional drivers to know how the company handles them.

Also, new provisional drivers are often seen as inexperienced and may cause your rates to increase. They are seen as high-risk because they have not been licensed long.

Obtaining Car Insurance with a Provisional Driver’s License

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In most cases, you will have to let the insurance company know that you are a provisional driver and do not have a full license. They may temporarily issue a policy until you get your full license.

In most cases, provisional drivers are on a learner’s permit. When dealing with a young driver who has a learning permit, it is best to add the driver to a pre-existing policy.

However, adding a provisional driver to an existing policy will likely increase your rates.

When making major changes to your policy, you should shop around to find the insurance company with the best rate. Comparison shopping will help you save money and get the best rate possible.

All insurance companies handle provisional drivers differently. So be honest with your car insurance agent to save a lot of hassle and headaches later down the road.

Don’t assume that just because a driver has a provisional license that they do not need to be added to your policy. If you do not add a provisional driver to your policy and they need coverage, many insurance companies consider this rate evasion and will either increase your rate automatically by adding the driver or cancel your policy.

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Provisional Driver’s License Effects on Insurance Rates

If you are a new driver, your inexperience on the road means higher rates until you reach 25 years old. About 10 years worth of driving history is the average time needed to lower your risk factor.

Adding an individual with a provisional driver’s license to a pre-existing auto insurance policy may be one way to keep rates down. However, doing so will cause the original policy holder’s rates to go up.

If a driver has a suspended driver’s license and needs proof of insurance, like an SR22 form, in order to receive their full driver’s license then an insurance company may temporarily issue a policy for that driver.

When a provisional driver’s old policy was cancelled due to a suspended license and they are now seeking to purchases a new auto insurance policy they could be re-rated at a higher rate.

When looking for insurance with a provisional driver’s license it is always best to shop around with different insurance companies. Not only does this help you find the best rate, but it also helps you find companies willing to insure drivers with provisional driver’s licenses.

Cost of Insurance with a Provisional Driver’s License

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Males with a provisional driver’s license will pay more for insurance than a female with a provisional driver’s license. According to Quality Planning, teen males have more car accidents at a rate of four to one.

These statistics determine the insurance rates for males versus females, and they will affect your rates for the rest of your life.

However, as you age, the division between genders changes as far as price goes, as the number of accidents involving male drivers decreases after they reach the age of 27.

If you are looking to save money on your teen’s car insurance, whether they have a provisional driver’s license or a regular one, then you need to ensure that you child takes both driver’s education courses and defensive driving classes.

Many schools offer driver’s education classes with defensive driving included.

While you are still going to pay more for your child’s insurance than you will for an adult of the same gender, taking courses that teach safe driving techniques will at least get you a discount on those rates of between 10 and 25 percent.

Naturally, you will also want to compare rates between car insurance companies. Try using our FREE tool to get instant online car insurance quotes from many top companies!

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