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Does a person with a learner's permit needs an auto insurance policy?

Well yes. Actually, all types of drivers all across the U.S. are required to have auto insurance. Both Driver's license and Learner's "Permit" are in fact a permission to drive and that's a big responsibility, that's why both required to carry a financial responsibility.
When anyone in your family drives on a Learner's Permit, you must be sure he or she follows all the rules and restrictions of their permit. There ways in which the can obtain auto insurance. First, they can purchase their own car insurance through an insurance company, or they may be eligible for coverage under the vehicle owners policy. For example, if your son drives on a Learner's Permit you can register him on your existing auto policy. The bottom line is that he must have coverage.