First: If your teen isn't driving (not even on a learner's permit), they do not need to be on your insurance. Some families choose to delay having their children learn to drive and get their licenses. This can give them time to save for a car if that's part of the plan., In general, you can add a new driver to your car insurance policy at any time. However, the timing depends on state laws and your insurance company's guidelines. If you have a child who gets a license, you have 60 days to inform your insurance carrier. Is there a grace period to add a new driver to insurance?, Most states require driver permit holders to spend a portion, if not all, of their driving time with a parent or legal guardian in the passenger seat. A parent or legal guardian can help supervise a learner's driving and ensure they stay safe when they start driving., If you are 21 or older, you will need to hold your permit for 30 days before you can take the road test for your unrestricted driver’s license. If you are under 21, you must hold your permit for 180 days without a major violation on your record., Before your child gets their learner’s permit, add them as a permissive user on your policy so they can get auto insurance coverage by the time they start driving. 1, After holding an instruction permit for 180 days with a clean driving record (or after turning 18), a teen can apply for an intermediate driver's license. The intermediate license allows the motorist to drive without an adult subject to some restrictions. (Ky. Rev. Stat. § 186.452 (2024).).