Response : Howie, if a teenager is driving a car with a learners permit without an adult in the car than the insurance company will not cover you provided you are a named driver on your parents policy. Secondly most insurance policies have an exclsuion stating that the learner cannot drive the car without supervison. However, it would depend on your carrier and if you go to the court of law, than the insurance company will atleast have to pay the auto insurance liability but can deny the car insurance damges since the insurance company can state the exclusion that the driving license was not there. Here you will have to remember that when you go to the court of law, you will have to pay whatever the DMV penalty prevails in your state about breaking the law and driving the car without supervision.

If your parents have not covered you than you than the insurance company will not pay since you are not covered under the policy and your parents and you will have to pay for the liabiltiy out of your pocket.
It is most advisable to break the rules, since teen auto insurance is rated as a high risk and by doing this, your car insurance rate will always hike up. Shop around for cheap teen auto insurance quote, drive safe and do not break the rules.

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Response: You can get auto insurance with just a learner’s permit. You should always remember that it is safer to drive an auto at any time with insurance than without insurance.

Most standard insurance companies do not even charge for this addition until you have your regular license in that situation. You can add your name under your parent’s insurance policy. No additional coverage’s are required in California. In fact, I’ve heard of parents insisting their insurance add their son/daughter to the policy! What most parents fail to recognize is that insurance covers CARS, not people! In the event of a collision, the insurance on the car will pay for damages to your car and, if at fault, coverage to other cars involved. NO ADDITIONAL insurance is necessary during the learning process.
Once licensed, all drivers must be on the policy.

If you are under age 18, you cannot buy insurance on your own because it is a contract. No one under that age can, because it would not be legally binding.