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The answer to this question is YES the student driver needs auto insurance because it is a requirement by the law that every driver, whether student or not, needs insurance. If you contact your insurance agent you will find out for the most part that the student driver needs to be listed on the insurance policy but they are not charged any fees until they become a full licensed driver. This was the advise that I had received from my insurance company, which is Met Life.
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Earn +20 ptsQ: Do student drivers need auto insurance?
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