Auto and Car Insurance

Motor vehicle insurance for teenager with permit?

My son is signed up to take driver's education next year. He will receive his permit after taking the course. However, he has no desire to drive and does not want to get his driver's license after he takes the course (whether he will still think this way after taking the course is yet to be seen). My question is do I still have to carry motor vehicle insurance on him if he just has a permit and not a license? We are in Illinois. Thank You

Public Comments

1. YES, you do in most states!
2. You certainly do not need insurance on him since he is not going to drive. When he does, call you ins agent.
3. It might be different for other companies(my husband works for Ameriprise)...but generally speaking...if your son does not have a license...then he does not have to be insured. They would add him as a household member....but this would not increase your policy.
4. No. With the permit he can't drive alone, and will be covered by the person with him and the insurance on the vehicle. He will not need to be added to your policy until and unless he gets his license and can drive alone.