Do licensed drivers need insurance in Illinois?

Whether you’re a new driver or an experienced veteran, car insurance is essential for anyone who drives. For licensed drivers, the issue of insurance is especially important. A driver’s license allows an individual (usually a teenager) to practice driving under supervision before earning a full license. But do licensed drivers need insurance? American Auto Insurance, based in Chicago, Illinois, offers low-cost insurance tailored to your needs and can help you navigate the complexities of getting insurance as a licensed driver.

What is a driving permit?

A driver’s license, also known as a learner’s license, is a restricted license issued to individuals who are learning to drive. In Illinois, you can get a driver’s license at the age of 15. To get your license, you need to pass a written exam and a vision test. Once you have your license, you can drive, but only under certain conditions. These conditions include being accompanied by a licensed adult driver, usually a parent or guardian, who is at least 21 years old and has at least one year of driving experience.

However, having a driver’s license also comes with restrictions. Licensed drivers cannot drive alone, and there are often restrictions on driving time and the number of passengers they can have. The main purpose of these restrictions is to ensure that new drivers gain driving experience in safe and controlled conditions. It is vital to understand these restrictions, especially when it comes to insurance requirements.

Do licensed drivers need car insurance?

Whether a licensed driver needs their own auto insurance depends on state regulations and personal circumstances. In Illinois, licensed drivers are required to carry auto insurance. If you drive a family car, the vehicle’s insurance policy will generally cover you as long as you are on the policy. This means that the insurance that oversees the licensed driver will generally cover the licensed driver.

However, be sure to check with your insurance provider to confirm this. At American Auto Insurance, we can quickly determine what coverage is required for licensed drivers in Illinois. Rules can vary from state to state, so it’s important to know the specific requirements in your area. In Illinois, all drivers are required by law to carry liability insurance, which covers you for damages or injuries you may cause to others in an accident.

How does insurance work for licensed drivers?

Adding a licensed driver to an existing policy is usually simple. A parent or guardian can contact their insurance provider to include the licensed driver in their plan. This inclusion ensures that the licensed driver is legally covered by the vehicle’s existing insurance. The types of coverage available to licensed drivers typically include liability, collision, and comprehensive.

Liability insurance is especially important because it covers any damage or injuries caused to other parties in the event of an accident. Adding a licensed driver to your policy may increase your premiums, but the cost is generally lower than adding a licensed teen driver. At American Auto Insurance, we offer the cheapest car insurance in Illinois, ensuring your premiums remain affordable while providing the necessary coverage.

The amount of insurance required for drivers with a learner’s license is generally consistent with the state minimum requirements. In Illinois, this includes $25,000 per person for bodily injury, $50,000 per accident for bodily injury, and $20,000 for property damage. Our team can help you understand these requirements and find the coverage that best suits your needs.

Do I need insurance when I have a provisional driver’s license?

Insurance is mandatory while driving with a provisional license in Illinois. Licensed drivers must have their own insurance policy or family coverage once they receive a provisional license. Provisional licenses allow for more independent driving, but insurance requirements remain strict. Ensuring continued coverage is essential to avoiding legal issues and maintaining financial protection.

How much does car insurance cost with a learner’s permit?

The cost of car insurance for a learner driver with a license can vary based on a number of factors, including the insurance company, vehicle, and age of the license holder. On average, personal auto insurance for a 16-year-old costs about $3,145 per year. However, if the learner driver is added to a family member’s insurance policy, the cost can be significantly lower. For example, the average total cost per year for shared insurance for a family that includes a teen driver is $2,113.

What are the penalties for driving without insurance?

Driving without insurance carries significant risks and penalties. If you are caught driving without insurance in Illinois, you could face a fine of $500 to $1,000. Your vehicle registration may also be suspended and your driving privileges may be revoked. Additionally, not having insurance means that if you get into an accident, you will be responsible for all costs, which can lead to financial hardship.

The financial risks of driving without insurance are significant. Without insurance, you will be responsible for any damages, medical bills, and legal fees resulting from your accident. That’s why it’s critical to comply with state regulations. Our team at U.S. Auto Insurance emphasizes the importance of having insurance to avoid these penalties and protect your financial security.

How Does US Car Insurance Help Licensed Drivers?

We specialize in providing affordable and comprehensive insurance solutions for all drivers, including licensed drivers. Our team is committed to helping you find the right insurance at the best price. We provide fast quotes, get you covered quickly, and ensure you comply with Illinois regulations.

We also offer SR22 insurance assistance, which is often required for drivers whose licenses are suspended or revoked. With over 30 years of experience and a BBB A+ rating, we pride ourselves on providing exceptional service. Our $14 non-owner policy is perfect for those who need insurance but don’t own a vehicle. We serve the entire state of Illinois and we are committed to providing low-cost insurance options that meet your needs.

Get affordable protection with American car insurance

As a licensed driver, having insurance is more than a legal requirement; it’s a critical step in ensuring your safety and financial protection on the road. At American Auto Insurance, we understand the unique needs of licensed drivers and their families. Our team will provide you with affordable, comprehensive coverage that gives you peace of mind. Contact us today for a quick quote and let us help you stay safe and compliant on Illinois roads.

Man in black and white striped shirt driving a car, photo by Ron Lach, licensed from Pexels

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