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(s). 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.