Insurance Companies That Accept Permits in NY

Insurance Companies That Accept Permits in NY

When it comes to driving in New York with a learner’s permit, it’s crucial to understand that not all insurance companies are willing to provide coverage for drivers in this category. In this article, we will explore the insurance options available for permit holders in New York and highlight some insurance companies that accept permits. Whether you’re a new driver or a parent guiding a young driver, this information will help you navigate the insurance landscape in the Empire State.

Understanding Learner’s Permits

What Is a Learner’s Permit?

Before we dive into insurance specifics, let’s clarify what a learner’s permit is. In New York, a learner’s permit is a temporary driving credential issued to individuals as young as 16 years old. It allows them to practice driving under the supervision of a licensed adult.

Learner’s Permit Restrictions

Learner’s permits come with restrictions, including the requirement to have a supervising adult (usually 21 years or older) with a valid driver’s license in the car.

Insurance Requirements for Permit Holders

Do You Need Insurance with a Learner’s Permit?

In New York, all drivers, including those with learner’s permits, are required to have insurance coverage for any vehicle they operate. However, finding an insurer willing to cover a driver with a permit can be challenging.

Why Is It Challenging?

Insurance companies often view permit holders as high-risk drivers due to their limited experience. This perception can lead to higher premiums or refusal of coverage.

Insurance Companies That Accept Permits

Finding a Welcoming Insurer

While many insurers may be hesitant to cover permit holders, some are more accommodating. Here are a few insurance companies in New York that may provide coverage:


Geico is known for its competitive rates and may offer insurance to permit holders, provided they meet certain conditions.


Allstate is another option to consider, as they may provide coverage for drivers with learner’s permits.


Progressive is known for its flexibility and may be willing to insure permit holders, although rates may vary.

State Farm

State Farm is known for its personalized service and may work with permit holders to find suitable coverage.

Factors to Consider

What to Keep in Mind

If you’re a permit holder or a parent helping a young driver, here are some factors to consider:

Premium Costs

Expect higher premiums due to the perceived risk associated with permit holders.

Policy Terms

Review the terms and conditions of the insurance policy carefully, including any additional requirements for permit holders.


Q1: Can I get insurance with a learner’s permit in New York?

Yes, some insurance companies in New York may provide coverage for drivers with learner’s permits.

Q2: Will insurance for permit holders be more expensive?

Yes, insurance premiums for permit holders are often higher due to their limited driving experience.

Q3: How can I find affordable insurance with a learner’s permit?

Shopping around and comparing quotes from different insurance companies is the best way to find affordable coverage.

Q4: Are there any special requirements for permit holders when obtaining insurance?

Some insurers may have specific terms and conditions for permit holders, so it’s essential to review the policy carefully.

Q5: Is driving without insurance in New York illegal?

Yes, driving without insurance in New York is illegal and can result in fines and other penalties.


In conclusion, obtaining insurance coverage as a learner’s permit holder in New York can be challenging, but it’s not impossible. It’s essential to shop around and compare quotes from different insurance companies to find the best coverage and rates for your specific situation.

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