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In Colorado, drivers under the age of 18 must hold a learners permit for 12 months before applying for a regular driver's license. Once the full license is obtained, the driver must be covered under an insurance policy.
After all, you pay your premiums and you own the car, so you may expect that your insurance will only cover you. However, Colorado is one of many states where car insurance actually follows the vehicle, not the driver.
DID YOU KNOW? Your teen may not need to be added to your auto insurance policy until your teen receives his or her restricted license. However, you should let your insurance company know that your teen is starting to drive.
Passenger restrictions Teens with a permit must be accompanied by a driving instructor, parent, legal guardian or a licensed adult 21 years of age or older (authorized by parent/guardian) in the front seat, buckled up.
Unless a minor driver's parent or legal guardian is present, state law prohibits any driver under age 18 from driving with: any passenger under age 21 who is not a member of the driver's immediate family until having held a driver license for at least six months; and.
However, it is important to note that some insurance companies require your teen to have car insurance when your teen has a learner's permit. Ultimately, if your teenage son or daughter has earned their driver's license, they must be added to your insurance.
In Colorado, you can apply for your learner's permit when you're 15. Once you have it, you're able to drive with a licensed adult in the front seat. Though this is a major step toward independence, the real freedom comes a year later when you can apply for a minor license.
In Colorado, drivers under the age of 18 must hold a learners permit for 12 months before applying for a regular driver's license. Once the full license is obtained, the driver must be covered under an insurance policy.
During the first 6 months of having a license, a teen driver cannot have any passengers with them under the age of 21, unless a parent or other licensed adult is in the vehicle too. For the next 6 months after that, a teen driver can have one passenger under the age of 21 with them.
To those asking, Can I drive a car under my parents' name? the answer is yes. As long as you are a named driver for their policy, you'll be fully covered by the insurance. In order to have a car in your name under your parent's insurance, your parents will need to be listed as owners on the vehicle's registration.