What are my options if insurance carrier refuses to add my teen daughter to family auto policy? 
Actually , at least here in Connecticut , only licensed drivers need to be added to your policy . Your daughter just has her learners ' permit so as such is not yet a licensed driver . I happen to represent Nationwide and our auto policy automatically covers our clients and their children as they are learning to drive the family car -LRB- s -RRB- . I think that perhaps your agent just needs to check the terms and conditions of your particular policy . You did the right thing by being proactive and advising your agent that she is learning to drive . 