Can I be on my parents' car insurance if the car is in my name?
Depending on the state and insurer, you may be able to add your car to your parents' insurance if you live with them and your car is kept at their house. However, once you leave home permanently, you'll need your own policy to insure your vehicle.
Can I stay on my parents' car insurance if I move out?
It depends on the reason you are moving out and if you will be back. If you're headed to college, most insurers will allow you to stay on your parents' policy as a listed driver. If you also have one of your parents' vehicles at school, both you and the vehicle may be allowed to remain on their policy.
If you move into your own place and have your own vehicle, you'll need your own policy. If you move out but keep one of your parents' vehicles at your home, you'll typically need to buy your own policy.
What if I'm living at home?
If you're driving your parents' vehicle, staying on their insurance policy is not an issue. However, if you move back in with your parents and bring a car that's registered and titled in your name, you can decide to insure your vehicle on your parents' policy or purchase your own policy. All drivers that share the same permanent residence should be listed on each policy.
Can I be on my parents' car insurance if I'm married?
If you and your spouse live with your parents and drive their vehicles, you can stay on their car insurance policy as listed drivers. If you or your spouse owns a vehicle, you can decide to insure the vehicle on your own car insurance policy or on your parents' policy. All drivers that share the same permanent residence should be listed on each policy. If you're married and don't live with your parents, you'll need your own policy.
Can a 26-year-old be on their parents' car insurance?
Unlike health insurance, there is no age limit when it comes to car insurance. As long as your parents' home is your permanent residence, you can remain on their insurance as a listed driver.
How does car insurance work with divorced parents?
If you stay at both your parents' homes and you drive their vehicles at each house, even occasionally, they should list you as a driver on each of their individual policies. If you just live with one parent and use their vehicle, then they should list you as a driver on their policy. If one parent owns the vehicle you drive, but you live with the other parent most of the time, you may want to talk to their insurers regarding your options.
Looking for more information about auto insurance? Our car insurance resource center has you covered.