Learner Car Insurance Rate in Arizona

Reader’s Question:

Will it be possible to get my own car insurance even if I only have a learner’s permit here in Phoenix?

Jules

Phoenix, AZ

That depends whether or not the specific auto insurance carrier you will be availing insurance from allows you to. A majority probably won’t allow you to get insurance on your own without a proper license. The reason for this is that most new drivers get involved in car accidents, or incur more traffic violations, in a much more significant rate as compared to more experienced drivers. In some states such as New York for example, the law prohibits non-drivers license owners to get car insurance. Truth be told, may prove to be difficult for you to find an auto insurance provider there in Phoenix, Arizona who is willing to sell you insurance with just your learner’s permit.

There are car insurance carriers out there that allows you to get car insurance as long as you can present a valid drivers license within 30 or 45 days. Generally, it would be much more convenient for you to be added as a named driver under someone else’s auto insurance policy, like your spouse or parents, until you are granted your own drivers license. This also avoids you having to pay very high auto insurance premiums as compared to being under someone else’s coverage. Please note that these are just generalities and that your situation is really a case-to-case basis and greatly depends on the car insurance provider you choose.