The standard auto policy provides automatic coverage for any household family member or customary driver for your car; therefore, your insurer can include in your rating any licensed driver in your home. Under Maine law, the definition of "driver's license" includes a permit.
Insuring a teen driver can be costly, but there are ways to make it more affordable.
There are discounts available to reduce premiums for young drivers. Many insurers have a discount for driver education courses and/or offer a good student discount. These require you to provide documentation of the course, and ongoing documentation of good grades or honor roll status.
Carefully consider the type of car you will insure for your teen and obtain a quote from your insurer before purchasing. Sporty vehicles can have substantially higher insurance costs. In addition, a newer model vehicle will cost more to insure than an older model of the same make. For older cars, you may consider eliminating collision coverage.
Safe driving is the best way to keep the insurance premium down. Violations and accidents are especially costly for new drivers.
If you have a student attending school away from home without one of your vehicles, tell your insurer. Many companies have a discount for this situation if the school is 100 miles or more away from your home.
The Bureau of Motor Vehicles provides Information for Parents of Teens and a Driving Contract for new drivers and their parents. It may help to have responsibilities, expectations and financial contributions outlined from the start.