Graduated License different Levels:
A driver can stay at any of the three levels until their 18th birthday.

Road Test:
A driver under the Graduated Licensing Program will take the Road Test at DMV when he/she moves to Level 2.  This is when the driver is required to have insurance, added as a driver or separate insurance.

Learner's Permit: (18 and over)
The Permit Holder cannot drive alone; he / she must be accompanied by a supervising driver at all times.  The Permit is valid for 18 months and can be renewed.