Auto Insurance for Driving Tests (2024)
If you're a parent of a teen driver or an adult getting your license for the first time, you must buy auto insurance for driving tests. Teen auto insurance averages $550/mo, but rates drop to $162/mo when you add a teen to an existing policy. Geico and State Farm offer the best auto insurance for first-time drivers.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our 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.
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- When taking a driving test, you will need a vehicle with the appropriate insurance
- Most people will borrow a vehicle and should check the policy to ensure that it covers them as a permissive user
- It may be possible to use a rental car under contract with another driver
Whether you’re a teen driver getting your first license or you waited a little longer to start driving, there are a few requirements you’ll need to meet to pass your driving test. One of the most important is that you need appropriate auto insurance for driving tests.
Auto insurance for teens and inexperienced drivers can be prohibitively expensive, but you probably don’t need to buy an individual policy. If you’re taking a parent or guardian’s car, they can add you to their policy for much less. You’ll also probably be covered if you borrow a friend or relative’s car with their permission.
Figuring out auto insurance for driving tests isn’t complicated, but you should always ensure you’re covered before starting your test. Read on to learn more about auto insurance for a road test and which option might suit you best.
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Driving Test Auto Insurance Requirements
The type of car insurance you need for a driving test varies from state to state, and you need to verify the requirements in your location to see if your insurance policy is sufficient.
Liability Auto Insurance Requirements by State
| State | Required Coverage(s) | Minimum Liability Limits |
|---|---|---|
| Alabama | Bodily Injury & Property Damage Liability | 25/50/25 |
| Alaska | Bodily Injury & Property Damage Liability | 50/100/25 |
| Arizona | Bodily Injury & Property Damage Liability | 15/30/10 |
| Arkansas | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 25/50/25 |
| California | Bodily Injury & Property Damage Liability | 15/30/5 |
| Colorado | Bodily Injury & Property Damage Liability | 25/50/15 |
| Connecticut | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/20 |
| Delaware | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 25/50/10 |
| District of Columbia | Bodily Injury, Property Damage Liability, & Uninsured Motorist | 25/50/10 |
| Florida | Property Damage Liability, & Personal Injury Protection | 10/20/10 |
| Georgia | Bodily Injury & Property Damage Liability | 25/50/25 |
| Hawaii | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 20/40/10 |
| Idaho | Bodily Injury & Property Damage Liability | 25/50/15 |
| Illinois | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/20 |
| Indiana | Bodily Injury & Property Damage Liability | 25/50/25 |
| Iowa | Bodily Injury & Property Damage Liability | 20/40/15 |
| Kansas | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 25/50/25 |
| Kentucky | Bodily Injury, Property Damage Liability, Personal Injury Protection, & Uninsured Motorist/Underinsured Motorist | 25/50/25 |
| Louisiana | Bodily Injury & Property Damage Liability | 15/30/25 |
| Maine | Bodily Injury, Property Damage Liability, Uninsured Motorist/Underinsured Motorist, & MedPay | 50/100/25 |
| Maryland | Bodily Injury, Property Damage Liability, Personal Injury Protection, & Uninsured Motorist/Underinsured Motorist | 30/60/15 |
| Massachusetts | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 20/40/5 |
| Michigan | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 20/40/10 |
| Minnesota | Bodily Injury, Property Damage Liability, Personal Injury Protection, & Uninsured Motorist/Underinsured Motorist | 30/60/10 |
| Mississippi | Bodily Injury & Property Damage Liability | 25/50/25 |
| Missouri | Bodily Injury, Property Damage Liability, & Uninsured Motorist | 25/50/25 |
| Montana | Bodily Injury & Property Damage Liability | 25/50/20 |
| Nebraska | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/25 |
| Nevada | Bodily Injury & Property Damage Liability | 25/50/20 |
| New Hampshire | Financial Responsibility (None Required) | 25/50/25 |
| New Jersey | Bodily Injury, Property Damage Liability, Personal Injury Protection, & Uninsured Motorist/Underinsured Motorist | 15/30/5 |
| New Mexico | Bodily Injury & Property Damage Liability | 25/50/10 |
| New York | Bodily Injury, Property Damage Liability, Personal Injury Protection, & Uninsured Motorist/Underinsured Motorist | 25/50/10 |
| North Carolina | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 30/60/25 |
| North Dakota | Bodily Injury, Property Damage Liability, Personal Injury Protection, & Uninsured Motorist/Underinsured Motorist | 25/50/25 |
| Ohio | Bodily Injury & Property Damage Liability | 25/50/25 |
| Oklahoma | Bodily Injury & Property Damage Liability | 25/50/25 |
| Oregon | Bodily Injury, Property Damage Liability, Personal Injury Protection, & Uninsured Motorist/Underinsured Motorist | 25/50/20 |
| Pennsylvania | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 15/30/5 |
| Rhode Island | Bodily Injury & Property Damage Liability | 25/50/25 |
| South Carolina | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/25 |
| South Dakota | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/25 |
| Tennessee | Bodily Injury & Property Damage Liability | 25/50/15 |
| Texas | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 30/60/25 |
| Utah | Bodily Injury, Property Damage Liability, & Personal Injury Protection | 25/65/15 |
| Vermont | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/10 |
| Virginia | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/20 |
| Washington | Bodily Injury & Property Damage Liability | 25/50/10 |
| West Virginia | Bodily Injury, Property Damage Liability, & Uninsured Motorist/Underinsured Motorist | 25/50/25 |
| Wisconsin | Bodily Injury, Property Damage Liability, Uninsured Motorist, & MedPay | 25/50/10 |
| Wyoming | Bodily Injury & Property Damage Liability | 25/50/20 |
Many companies offer non-owner insurance if you plan on borrowing a car but want your own coverage. Non-owner car insurance for driving tests would cover you, no matter whose car you drive.
The test administrator will check to see that you have the minimum requirement before the test can proceed. After all, one thing is for sure: driving a car during a test without proper insurance is illegal.
If you’ve never had a license before, every state requires that you take both a written and practical driving test. You need to pass both to get your driver’s license.
If you've taken lessons and feel ready to sit for the driving part of the test, you must ensure that your vehicle is adequately insured.Dani Best Licensed Insurance Producer
You will need to satisfy certain requirements by your Department of Motor Vehicles (DMV) before attempting the driving test. Whether you borrow or own the vehicle, you will need your state’s minimum required car insurance for a driving test.
Using a Borrowed Vehicle for Driving Tests
Most people in this situation will not own a vehicle but may be waiting to pass the test before they can purchase one. If you already legally own a vehicle, you can register it in your name before taking the test.
If you don’t own a vehicle, you may borrow one from someone you live with, such as a parent. Many liability car insurance policies will allow you to use the borrowed car for your driving test so long as the policyholder has given permission.
You’ll also need to make sure to check if the documentation in your insurance policy includes driving test insurance requirements.
Using a Rental Car for Driving Tests
If you cannot borrow a vehicle elsewhere, it may be possible for you to use a rental car for your driving test. You won’t be able to rent a car yourself without a valid license, but you can ask a family member to do so. Make sure the rental company allows other drivers. You may be required to get supplemental rental car insurance.
Temporary Auto Insurance for Driving Tests
Some insurers offer temporary auto insurance for a period of a few days. However, this will only apply to a registered driver, and you need to check to see if the company will add you as a permissive user.
Find the Best Auto Insurance for Driving Tests Today
When you are preparing to take your driving test, ensure that the vehicle you use has the correct type of coverage. If you use a borrowed car, make sure that the owner’s insurance coverage extends to you for this occasion.
If you want to use a rental car, somebody else will need to sign the contract, and you should check with the rental company first to ensure coverage extends to you.
Frequently Asked Questions
Do I have to be on auto insurance for driving tests?
Yes, you typically need auto insurance to take a driving test. Most states require proof of insurance before allowing you to use a vehicle for the test. Check with your local Department of Motor Vehicles (DMV) or licensing authority to determine the specific insurance requirements for your driving test.
What is required auto insurance for driving tests?
The type of auto insurance you need for your driving test is typically the same as the minimum coverage required by your state. This is usually liability insurance, which covers damages or injuries you may cause to others while driving. However, requirements may vary, so consult your local DMV or licensing authority for specific details.
Can I get my license without taking a driving test?
No, most states require all drivers to have a valid license if they own or regularly operate a vehicle.
Can you get a driver’s license without auto insurance?
You can get a driver’s license without auto insurance as long as you are listed as a covered driver on someone else’s policy.
What happens if I’m in an accident during the driving test?
Typically, the examiner will assess the situation and follow established protocols. If the accident is minor and does not involve significant damage or injuries, the examiner may proceed with completing the test. However, if the accident is serious or poses a risk to safety, the test may be halted, and appropriate measures will be taken to address the situation.
Can I use a rental car for my driving test?
Using a rental car for a driving test may be an option, depending on the policies of the rental car company and the requirements of your local DMV. Some rental car companies may allow their vehicles to be used for driving tests, while others may have restrictions or additional requirements. Contact rental car companies directly and inquire about their policies regarding driving tests to determine if this option is available to you.
Is it necessary to provide proof of insurance before taking a driving test?
Yes, in most cases, you will be required to provide proof of insurance before taking a driving test. The exact documentation required may vary, so contact your local DMV or driving test center to determine the specific documentation you need.
Can I use a learner’s permit to take the driving test without auto insurance?
The requirements regarding auto insurance with a learner’s permit for a driving test may vary depending on your location. In some jurisdictions, you may be covered under the insurance policy of the supervising licensed driver accompanying them during the test. However, it is crucial to check the specific insurance requirements set by your local DMV or driving test center.
What is the minimum score needed to pass a driving test?
Most states pass drivers who score at least 70% on the driving test.
Does failing a driving test affect auto insurance rates?
Failing a driving test typically does not directly impact your auto insurance. However, it is important to note that insurance companies may consider other factors, such as your driving history and age, when determining your premium rates.
What’s a permissive user on auto insurance for driving tests?
Although you cannot be named as a driver on an insurance policy if you do not yet have a license, many insurance companies will extend coverage if you are known or related to the policyholder as long as you get express permission from the vehicle owner. It’s a good idea to get this in writing, just in case the DMV asks for it.
Can I drive someone else’s car with my auto insurance?
Insurance follows the car, not the driver. If you are in an accident while driving someone else’s car, their auto insurance will apply. You may have to use your own medical coverage.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.