I recently got a hardship drivers license. How does this affect my car insurance?

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Reader’s question:

I recently got a hardship drivers license. How does this affect my car insurance?

-V. Mellen

A provisional driver’s license or a learner’s permit are terrifying for parents—and insurance companies! Young drivers car insurance is already expensive, but a hardship license is even more of a liability, as you don’t even have a license. So your parents can expect their insurance rates to get much higher now that you have a hardship—the average rate increase is over 200% when a young drivers car insurance burden is added to your parents existing policy.

So how do you keep young driver’s car insurance from bankrupting your parents?  The first thing you can do is to complete driver’s ed. The best insurance companies will reduce young driver’s car insurance rates by 15% once you’ve completed driver’s education.

Another thing you can do is keep your grades up. The best insurance companies will reduced a young driver’s car insurance by almost a fourth if your grades are above a 3.0.

Best of luck to you!

GLJ