Can You Get Auto Insurance With a Permit in Missouri?

Starting your driving journey is an exciting milestone. However, with the privilege of driving comes the responsibility of understanding auto insurance. Whether you’re a new driver, a learner’s permit holder, or a parent guiding your teen through this process, it’s crucial to understand the importance and necessity of auto insurance. In this post, we’ll delve into whether auto insurance is required for permit drivers in Missouri and what coverage options are available.

What is a Learner’s Permit?

A learner’s permit is a provisional license that allows new drivers to gain experience behind the wheel under the supervision of a licensed adult. It serves as a crucial step for teens and new drivers to develop their driving skills before obtaining a full driver’s license.

Implications on Insurance Coverage

A learner’s permit generally comes with specific rules and restrictions, including curfews, passenger limits, and mandatory supervision. However, one of the most significant considerations is insurance coverage. Since permit drivers are still learning, they may be more prone to accidents, making insurance all the more important.

Can a Permit Holder Get Car Insurance in Missouri?

Yes, if you are a permit holder in Missouri, it is possible to get auto insurance on your own. However, with some insurance companies, you may need to add another licensed driver to your policy to qualify. While you can secure insurance on your own, remember that a licensed driver must still be present when you drive. Thus, understanding the requirements and options can help you make informed decisions.

What is the Cost of Auto Insurance for Permit Drivers in Missouri?

While you can secure auto insurance, your rates will typically be higher due to driving inexperience and young age. Insurance companies usually add a surcharge. This surcharge can result in premiums increase that are 20% or higher. Therefore, it is important to compare different insurance options. Reviewing multiple policies can help you find more affordable rates.

Teen learning to drive. Can you get auto insurance?

The Necessity of Auto Insurance for Permit Drivers

Legal Perspective

In Missouri, all drivers, including those with a learner’s permit, must be covered by auto insurance. The state mandates liability insurance to cover bodily injury and property damage in the event of an accident. Therefore, even if you’re driving under supervision, having auto insurance is a legal requirement.

Financial Perspective

The financial implications of driving without insurance can be severe. Accidents can lead to hefty expenses, including medical bills, vehicle repairs, and legal fees. Being uninsured can put an enormous financial burden on new drivers and their families. Auto insurance provides a safety net, ensuring that these costs are covered.

Types of Insurance Coverage Available for New Drivers

Several types of auto insurance coverage can benefit new drivers, including:

Liability Insurance

This is the minimum required coverage in Missouri. It covers bodily injury and property damage that you may cause to others in an accident.

Collision Coverage

This covers the cost of repairing your vehicle after an accident, regardless of who is at fault.

Comprehensive Coverage

Comprehensive coverage takes care of damages resulting from incidents other than collisions, such as theft, vandalism, or natural disasters.

Uninsured/Underinsured Motorist Coverage

This type of coverage protects you if you’re involved in an accident with a driver who either doesn’t have insurance or whose insurance is insufficient to cover the damages.

Personal Injury Protection (PIP)

PIP covers medical expenses for you and your passengers, regardless of fault. Not all states offer this coverage.

The Role of Parents in Guiding Permit Drivers

Parents play a crucial role in helping their teen drivers understand the importance of auto insurance. First, educate your teen about the different types of coverage and their importance. Additionally, set a good example by demonstrating responsible driving behavior and explaining its impact on insurance premiums. Moreover, encourage safe driving by discussing the financial and legal consequences of accidents and traffic violations.

Finally, assist your teen in researching and comparing insurance options to find the best coverage.

Tips for Finding Affordable Insurance for Learner’s Permit Holders

Auto insurance for new drivers can be costly due to their lack of driving experience. Here are some tips to find affordable coverage:

Shop Around

Get quotes from multiple insurance providers to compare rates and coverage options. Insurance companies offer different rates for young drivers.

Look for Discounts

Many insurance companies offer discounts for good students, completing driver’s education courses, and maintaining a clean driving record.

Consider Higher Deductibles

Choosing a higher deductible can lower your premium. Just make sure you can afford the deductible in case of an accident.

Add to Parent’s Policy

Often, adding a new driver to an existing family policy is more cost-effective than getting a separate policy. Talk to your parents about adding you to their policy.

Bundle Policies

If you have other types of insurance, such as home or renter’s insurance, bundling them with your auto insurance can often result in discounts.

Get Insured Today!

Auto insurance is not just a legal requirement in Missouri; it’s a critical component of protecting new drivers and their families from financial risks. Even if you hold a learner’s permit, having adequate insurance coverage is essential.

By understanding the types of coverage available and following tips to find affordable insurance, new drivers and their parents can navigate this important aspect of driving safely and responsibly.

Get Covered with Bargain Insurance Connection

At Bargain Insurance Connection, we provide insurance coverage for permit drivers as well. Whether you require basic liability coverage or comprehensive and collision insurance, contact us to discuss the best options for you. You can also request a free online quote below to begin securing your coverage today.

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