Can you buy a car with learners permit from dealers in New York state and get car insurance with learners permit?

Property Ownership

Yes, you can buy. Anyone can buy a car. You don't need driver's license to buy a car.

But you will need a license or permit to legally drive it.

Inexperienced Drivers

Yes, you can buy auto insurance with a learners permit. It would be illegal to drive the vehicle uninsured. You will just have to pay more in premium as an inexperienced or young driver. and you may have to contact more companies to find the right one that will also except you as a new driver.

If you are unable to find a company on your own. All 50 states have an assigned risk pool for high risk drivers, all will accept an application from a permitted driver. If you choose this route though you will need to contact an insurance agent who offers coverage through your states risk pool. Standard agents or nonparticipating agent will not be able to help you process an application there and will likely not know what is being offered through the plan. Most states risk pools are accessible on-line these days and offer a list of agents and contact information near you.

Young Drivers

If you are a minor, then you will need a legal guardian to countersign your insurance application due to the legal limitations on minors entering into a contract.