What is provisional (learner driver) car insurance?
The answer depends on your state. Pick yours to see it.
Provisional car insurance covers a driver who holds a learner's permit rather than a full license. An insurer may add the learner to a household policy, and some companies let the policyholder designate a licensed primary driver who will drive the car most often. Some insurers decline to cover unlicensed drivers, so options vary by company.
Sources: D.C. Code 31-1131.05: Examination prior to licensure; D.C. Code 31-1131.05a: Pre-licensing education.