Young Driver Car Insurance Minnesota MN

Reader’s Question:

My son is 16 and driving with a permit. My insurance company found out and says that he needs to be added to our policy even though he only have a permit and want to charge us another $182 a month. While with Another insurance carrier, I was informed when my son was on his permit that he did not have to be insured yet. Which information is correct? We live in Minnesota.

Vince

St. Paul, MN

 

Insurance carriers’ underwriting guidelines differ as do their rating systems so both insurance companies are correct. Usually it is up to the individual insurance provider to determine if a young driver should be added to the insurance policy at the time they receive their learner’s permit or wait until they get a junior, provisional or full driver’s license.

It would appear that the second insurance provider that informed you that you did not require your son to be insured with only a permit but allowed you to wait to add him to the policy until he was further along the licensing process but the first insurance company’s underwriting that you’ve mentioned rules call for your son to be added to the policy when he first started the licensing process and received his permit.

You may contact the Minnesota insurance regulator to get more information on state car insurance laws and MN rating regulations regarding young drivers.