Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

Full Bio →

Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jul 19, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.


Insurance Q&A: “Can I get insurance with a permit?”

The answer depends on which state you live in.

A permit can be thought of as a temporary or provisional driver’s license. Ultimately, you are permitted by the state in which you reside to operate a motor vehicle.

This also means you must have insurance coverage equal to at least the state mandatory minimum liability limits.

Of course, liability-only car insurance does not mean you are fully protected. It just means you have the minimum car insurance to operate a vehicle on public roads.

More often than not, you will be covered by your parent’s car insurance policy. Insurers typically require all persons living in the household where a vehicle is principally garaged to be listed on their policy.

Whether you are under sixteen or simply not licensed at any age, you have to be either listed as a driver or excluded from coverage on any car insurance policy in force for the address where you reside.

If you are excluded, you do not have coverage, and if you drive a car and get into an accident, the insurance company will deny the insurance claim and not pay for any damages you may be liable for.

So be careful, because without insurance in place, you could be personally sued by the other driver and stuck with a large bill.

If you have a permit or are unlicensed, it is recommend that you shop online for insurance quotes and/or contact an independent insurance agent.

This will give you the best chance of obtaining the auto insurance coverage you want at a rate you’re comfortable with.

TIP: How much is car insurance for a 16 year old?