How does the auto insurance work for a child who has an out state driver license?
State laws vary. “Learner’s permit” in our state (WA) means the holder is not authorized to drive alone; he or she has to have in his/her car a person over 21 years old who had a license for 5 years. All related licensed drivers in a household have to be on the same policy, as I was told by our agent when I wanted to get a separate policy for D. We ended up upping our coverage and buying an umbrella instead. She is now considered an “out of state student”, still covered by our policy, but we are paying much less. In WA, vehicle registration is apparently not linked to insurance (we never had to provide proof of insurance to register our cars).
