Does My 15 Year Old Need Auto Insurance? 
Here in CT , one must be at least 16 years of age in order to obtain a drivers license . A 15 year old has the opportunity to obtain a learners ' permit within the regulations of the Department of Motor Vehicles , but does not have to be listed as a driver on the parent 's policy . Other states may be different . Once a young driver receives his or her license , then they need to be listed on their parent 's auto policy as a regular driver in their home with access to their vehicles . If the 16 year old purchases a car of their own and wishes to register in in their own name , then they will need to obtain their own separate auto policy in order to accomplish that . Talk to your Insurance Professional about the laws in your state and the best options available for both you and your young driver . 