Does a 17 year old need car insurance in NJ?

Answer 1

Young Driver and Insurance

Yes, all drivers are required to carry financial responsibility. There is no exception of law because you are a teenager. You can obtain your own insurance or you or you may be eligible for coverage under your parents or another existing auto policy but you must have coverage.

If you are under age, due to the limitations of contract law, you will need your parent or other legal guardian to countersign your application for coverage. It is usually cheaper to be added to your parents existing policy.

Happy Motoring.

Answer

In most states, a person must be 18 in order to get an unrestricted license. Persons younger than that can often get a learner's permit and drive under limited circumstances. Rarely can a 17 year old buy, register, and insure a vehicle.

All of that said, if the minor will drive, for example, a parent's car, and has a learner's permit, he/she must be added to the parent's auto policy in order for the coverage to apply to the minor's use. Likewise, in order for coverage to apply, the minor must adhere to the restrictions on driving that attend a learner's permit or similar restricted license.