Are kids covered under parents' car insurance?

A child can stay under their parents’ car insurance policy as long as they live at the same address and the child doesn't have a car registered in their name. When it comes to car insurance, there is no age limit.

Does my teenager need insurance to drive my car?

If your child has permission to drive your car, your car insurance may extend to your teen driver under the permissive use provision. Make sure your policy allows permissive use by checking with your provider.

Do all household members need to be on car insurance?

Most car insurance companies require everyone to be included as listed drivers on car insurance policies.

Can you get car insurance under 18?

Yes, you can, but it will be difficult. Few insurance providers will insure minors, and all will only do so if a parent or guardian co-signs the policy. If you do find an insurance company, premiums will be very expensive. The best way to get teen driver coverage is to add them to their parents’ policy.

How young can you get a learner’s permit?

Teens can get a learner's permit between the ages of 14 and 18, but the minimum age varies from state to state.

Adding Your Child to Your Car Insurance Policy

Name: Adding Your Child to Your Car Insurance Policy
Item: Adding Your Child to Your Car Insurance Policy
Author: Staff Writers

Before your child drives, even with a provisional license, consider adding them to your car insurance policy. Not only is it mandatory, but listing them on your existing policy is the cheapest way to ensure they're covered.

Updated: January 10, 2024

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sources

Centers for Disease Control and Prevention. "Keep Teen Drivers Safe." Accessed July 25, 2023.