{"id":6321,"date":"2022-09-20T07:16:38","date_gmt":"2022-09-20T14:16:38","guid":{"rendered":"https:\/\/www.costulessdirect.com\/?p=6321"},"modified":"2022-12-27T15:06:30","modified_gmt":"2022-12-27T15:06:30","slug":"do-drivers-with-learners-permits-need-car-insurance-in-california","status":"publish","type":"post","link":"https:\/\/www.costulessdirect.com\/blog\/do-drivers-with-learners-permits-need-car-insurance-in-california\/","title":{"rendered":"Do Drivers with Learner\u2019s Permits Need Car Insurance in California?"},"content":{"rendered":"\n

All<\/em> drivers in the State of California must have proof of car insurance<\/a>. This is true whether you\u2019ve had your license for 20 years or you\u2019re a teenage motorist driving on your learner\u2019s permit. <\/p>\n\n\n\n

It makes sense when you think about it. If the family car is totaled by your fifteen-and-a-half-year-old student driver, you\u2019d be in just as much financial crisis without car insurance as you would if the driver was you or your spouse. <\/p>\n\n\n\n

Let\u2019s take a closer look at the insurance responsibilities of all Golden State drivers (and drivers-to-be). <\/p>\n\n\n\n

California, Plus 47 Other States, Require Car Insurance <\/h2>\n\n\n\n

You\u2019d have a pretty short list if you were to document all the U.S. states that don\u2019t<\/em> require their drivers to have auto insurance. That compilation consists of \u2026 New Hampshire and Virginia. <\/p>\n\n\n\n

Drivers in those states who don\u2019t have coverage are placing themselves at high risk of financial disaster if they\u2019re responsible for an accident. <\/p>\n\n\n\n

Offsetting the High Cost of Insuring Young Drivers <\/h2>\n\n\n\n

You might wonder about the insurance regulations regarding student drivers in California simply because you\u2019ve been shocked at the high cost of insuring your teenage driver in the Golden State. You understand the importance of obtaining coverage<\/a>, but you\u2019re clueless how you\u2019ll pay to insure your kids as they get old enough to drive. <\/p>\n\n\n\n

Like all forms of insurance, the cost of coverage is calculated by the insurance company weighing the odds of having to pay out more than they acquire in premiums. If the underwriters calculate that the risk of payout is low, the premiums will stay low. If the risk is deemed to be high, the rates for coverage will escalate\u2014or the company will refuse to insure the applicant at any price. <\/p>\n\n\n\n

Auto insurers have found that the youngest drivers\u2014particularly males\u2014are more likely than older and more experienced drivers to drive too fast and recklessly. As a result, they get more speeding tickets and have more road accidents. That\u2019s why young drivers in California will pay more for car insurance than veteran motorists.\u202f <\/p>\n\n\n\n

Once you get over the sticker shock for auto insurance for young drivers in California, you can concentrate on strategies to offset that high cost and actually lower premiums<\/a>. Sometimes substantially. Here are a few examples. <\/p>\n\n\n

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