General License and Insurance Guidelines for Teens in California

In 2006 California adopted a graduated licensing program for drivers under 18.

Licensing Requirements for Teens

California’s graduated licensing program is a 3 stage program that ultimately allows teens to obtain an unrestricted driver’s license.

Stage 1 – The Provisional Permit:

A provisional permit allows teens to operate a motor vehicle when accompanied a licensed driver over the age of 25 but teens may not drive alone at any time.

Requirements:

• Teen must be at least 15 years and 6 months old
• Must complete and pass the written examination
• Must pass a vision test
• Must provide parental consent
• Must provide completion of an approved Driver Education course

Stage 2 – The Restricted License:

A restricted license allows teens to drive a vehicle without supervision. Teens may not drive unsupervised between the hours of 11:00pm and 5:00am and cannot transport passengers under age 20 for the first 12 months that they hold the restricted license.

Requirements:

• Must pass a driving skills test
• Must be at least 16 years old
• Must have completed 6 hours of professional driver training
• Must have completed 50 hours of practice with a driver over 25 years old. A minimum of 10 hours must be completed at night.

Stage 3 – The Unrestricted License:

An unrestricted license allows a teen to operate a motor vehicle without restrictions.

Requirements:

• Possession of a restricted license for 12 months
• Turning 18 years old

Insurance Requirements for Teens

In California all drivers must comply with the same insurance requirements. Working with an experienced insurance professional is often the best way to ensure you purchase insurance that complies with California’s requirements and meets your personal needs as a teen driver.

Minimum Liability Insurance

In California, the current minimum liability insurance requirements are:

• $15,000 in bodily injury liability insurance per person
• $30,000 in bodily injury liability insurance per accident
• $5,000 in property damage insurance per accident

Drivers are not required to carry uninsured/underinsured motorist coverage but carrying this insurance in addition to collision or comprehensive coverage will protect you in the event of an accident.

Penalties for Driving without Insurance

In California, if you are caught driving without insurance your registration will be suspended and you will be required to provide proof insurance and/or pay a reinstatement fee. You may also be cited for driving without insurance and your vehicle can be impounded.