{"id":3742,"date":"2023-07-11T10:18:00","date_gmt":"2023-07-11T14:18:00","guid":{"rendered":"https:\/\/www.plymouthrock.com\/?p=3742"},"modified":"2025-02-04T15:41:37","modified_gmt":"2025-02-04T20:41:37","slug":"young-drivers","status":"publish","type":"resources","link":"https:\/\/www.plymouthrock.com\/resources\/young-drivers","title":{"rendered":"New Jersey car insurance guide for young drivers"},"content":{"rendered":"\n

As a teenager approaches driving age, it\u2019s important to be educated about insurance requirements. If you\u2019re a parent, make sure you know all the facts regarding training, licensing and insurance requirements. Here\u2019s everything you need to know about car insurance for young drivers in NJ.<\/p>\n\n\n\n

Is car insurance required with a learner\u2019s permit?<\/h2>\n\n\n\n

New, unlicensed drivers with a learner\u2019s permit are covered under the car insurance policy of the registered vehicle owner. Once they obtain their probationary driver\u2019s license, they must be covered as a rated driver. They can be on either their own or their parents\u2019 policy. Typically, you won\u2019t be required to officially add your teen as a driver to your policy until they get their probationary license.<\/p>\n\n\n\n

The difference between driver\u2019s ed and driver training<\/h2>\n\n\n\n

Driver\u2019s education (Driver\u2019s Ed) includes both classroom and online courses taught by schools and companies. Most programs cover topics like traffic laws, spacing while driving and understanding traffic signs.<\/p>\n\n\n\n

Driver\u2019s Training is in-car training sessions with a licensed instructor<\/a>. These lessons are not taught in a classroom. The driver will train on real road conditions. Young drivers take the wheel while the instructor sits in the passenger seat and supervises.<\/p>\n\n\n\n

While not always required, these classes and training sessions will help teens pass the knowledge and road test by preparing them for what will be examined.<\/p>\n\n\n\n

What\u2019s the graduated driver licensing program (GDL)?<\/h2>\n\n\n\n

The graduated driver licensing<\/a> (GDL) program is a three-stage process for obtaining a driver\u2019s license. The first is the learner\u2019s permit stage, where a driver is required to practice driving for at least six months with an adult driver. They then are eligible for a probationary license, which allows them to practice unsupervised with some restrictions<\/a> for a year. After that, they can obtain a basic license.<\/p>\n\n\n\n

Learner\u2019s Permit Requirements<\/strong><\/td>Probationary License Requirements<\/strong><\/td>Basic License Requirements<\/strong><\/td><\/tr>\n\n
Be at least 17 years old<\/td>Be at least 17 years old<\/td>Be at least 18 years old<\/td><\/tr>\n\n
Pass the knowledge and vision tests<\/td>Pass the road test<\/td>Pay the licensing fee<\/td><\/tr>\n\n
Consent of a parent or guardian<\/td>Complete at least six months of supervised driving<\/td>Complete at least one year of unsupervised driving<\/td><\/tr>\n\n<\/table><\/div>\n\n\n\n

Special learner\u2019s permit<\/h2>\n\n\n\n

A special learner\u2019s permit<\/a> allows teens to practice driving as soon as they turn 16.<\/p>\n\n\n\n

Special Learner\u2019s Permit Requirements<\/strong><\/td><\/tr>\n\n
Be at least 16 years old<\/td><\/tr>\n\n
Enroll in a driver training course by a licensed school<\/td><\/tr>\n\n
Complete at least six hours of driver training<\/td><\/tr>\n\n
Pass the knowledge and vision tests<\/td><\/tr>\n\n
Consent of a parent or guardian<\/td><\/tr>\n<\/table><\/div>\n\n\n\n

When should I add my teen to my insurance policy?<\/h2>\n\n\n\n

Once your teen driver obtains their learner\u2019s permit, notify your insurance carrier to let them know you have a teen driver with a learner\u2019s permit. Once they get their probationary license, you should add them as a driver to your policy.<\/p>\n\n\n\n

Why is car insurance so expensive for young drivers?<\/h2>\n\n\n\n

You need to be prepared for a bump in what you\u2019re currently paying for car insurance when you add your teen driver to your policy. The rise in price you pay for coverage is directly related to the increased risk of having your teen on your policy.<\/p>\n\n\n\n

When should young drivers stay on a parent\u2019s policy?<\/h2>\n\n\n\n

Young drivers should stay on a parent\u2019s policy until they own their own car or move to a different permanent address.<\/p>\n\n\n\n

When should drivers get their own policy?<\/h2>\n\n\n\n

Drivers should be on their own policy if they are the owner of the car they drive. It\u2019s the responsibility of the car\u2019s owner to insure it.<\/p>\n\n\n\n

Once your teen has a probationary driver\u2019s license, you should add them to your policy or get a separate one for them. Often, it is more cost effective to add the teen to your existing insurance.<\/p>\n\n\n\n

Adding your teen to your policy or having them purchase their own is a personal decision. We\u2019re happy to help you with your unique insurance needs<\/a> and get you great coverage at a great price.<\/p>\n\n\n\t\t

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Now let\u2019s talk about you<\/strong>
\nDo you have the right coverage for your vehicle? We\u2019d love to chat with you about it. Call us at 800-516-9242<\/a> or speak to a local agent<\/a>. \n

\nIf you\u2019d rather not talk, you can get a quote<\/a> quickly and easily online. Just enter your ZIP code to get started and see how much you could save!\n<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t\n","protected":false},"excerpt":{"rendered":"

If you\u2019re a parent, make sure you know all the facts regarding training, licensing and insurance requirements to help keep everyone safe and be fully covered.<\/p>\n","protected":false},"author":6,"featured_media":2743,"menu_order":0,"template":"","format":"standard","meta":{"_acf_changed":false,"_oasis_is_in_workflow":0,"_oasis_original":0,"_oasis_task_priority":"","inline_featured_image":false,"_sitemap_exclude":false,"_sitemap_priority":"","_sitemap_frequency":""},"products":[71],"state":[81],"class_list":["post-3742","resources","type-resources","status-publish","format-standard","has-post-thumbnail","hentry","products-auto","state-nj"],"acf":[],"yoast_head":"\nCar Insurance For Young Drivers in NJ: A Guide<\/title>\n<meta name=\"description\" content=\"Plymouth Rock\u2018s car insurance guide for the young drivers in your family who need to be licensed and insured in the state of New Jersey.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, 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