As soon as your young driver's gets a permit, you should call your agent. They will be added to your policy as a non-rated driver. This means there is coverage if they are involved in an accident but you are not charged for them being listed on your policy. ... They will be added to your policy as a non-rated driver.

What is a not rated driver?

This means that the person does not affect your insurance rates, but if that person is involved in an accident, the insurance company will deny any claims you file. ... People can be not rated because they are not licensed drivers, because that person has their own vehicle and insurance, or several other reasons.

What is a rated driver?

A rated driver, on the other hand, is a member of your household who is of driving age and covered by the policy when using the insured car(s). Not all states allow policyholders to exclude household members from coverage.