Are you required to add children to an auto insurance policy?

Are you required to add children to an auto insurance policy? Yes, if they are a licensed driver and live at home, even if they aren't the primary driver. Adding your child to your auto insurance policy may increase your auto insurance rates by 161 percent. However, adding children to your auto insurance policy is much cheaper than them purchasing their own auto insurance policy. If you are ready to, get auto insurance quotes now.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember...

  • Depending on which state you live in, you may or may not have to add your child to your auto insurance policy
  • If you are required to add children to an auto insurance policy, it may not affect your existing insurance. You will want to make sure that a licensed driver is in the vehicle with your child
  • Male drivers cost more to insure than their female counterparts
  • Rates can increase depending on the insurance for different driver types

Are you required to add children to an auto insurance policy? If your child is driving your vehicle, you may have wondered this very thing. The rules vary based on the state and insurance company.

However, you are required to add children to your policy if they are going to operate any vehicles on your policy. Your auto insurance company may require you to add your children to your policy if they are licensed drivers that live in your home.

This applies even if the child will not be operating the vehicle on the policy. The only alternative would be if the child has their own vehicle and auto insurance policy.

What happens if I don’t add my child to my auto insurance? Not disclosing this information is considered fraud. You will want to check the auto insurance laws in your state as well as the expectations of your insurance carrier for this particular situation.

If you are ready to add your child to your auto insurance policy, start your search for the best auto insurance rates for your children and enter your ZIP code above.

Are you required to add children to an auto insurance policy?

Do I need to add my child to my auto insurance policy? Driving without insurance is illegal, which is why it’s important to check your local laws. In most cases, you will be covered by the existing insurance on your vehicle.

This is something you will want to check with based on the state you live in and your existing auto insurance policy. A teenager with a learner’s permit is expected to have a licensed driver riding as a passenger.

For this reason, it is not always required that you add the child to your policy. Keep this in mind the next time you ask yourself, “Do I have to add my kid to my auto insurance?” or “What happens if you don’t add your child to your auto insurance?”

If you do have to add the child to your policy, it may not affect your existing insurance. You will want to make sure that a licensed driver is in the vehicle with your child. Insurance rates are determined based on risk.

With the regulations in place for a learner’s permit, it is not generally considered a large risk for the insurance companies. That’s something to keep in mind if you ask yourself, “Can I drop my child from my auto insurance?” or “Can a teenager get their own auto insurance policy?”

The greatest step you can take is to always talk to your child about safe driving practices. Getting involved with your child’s driving schedule is getting is always a good idea, and providing them with tips never hurts.

The first time a teenager gets their license, it can be scary for parents all over the country.

But if you stay in touch with them and do a little research on your end, it will eliminate the need to ask, “Do I have to add my teenager to my auto insurance in Texas?” or “Do I have to add my child to my auto insurance in Illinois?”

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Do I have to add my teenager to my car insurance?

Yes, you will need to add your teenager to your auto insurance once they have a learner’s permit to drive.

Depending on the state, auto insurance companies can require customers to add their teenager once the teen gets their permit.

Do I need to add anyone who drives my vehicle onto my policy?

A driver that does not have regular access to your vehicle does not need to be added to an auto insurance policy.

However, someone who does not live at your address that is expected to regularly drive your vehicle should be added to a policy in order to mitigate risk.

What is the cost of adding a child to an auto insurance policy?

How will adding my child to my auto insurance policy affect my rates? Adding a child to your insurance is likely to raise your rates significantly. It does vary based on the factors that your insurance carrier uses to determine rates.

You will want to check with your auto insurance company to see how this will affect your rates. However, our data suggests that adding a teenage driver to your auto insurance policy can increase your rate of up to 161 %.

All insurance companies charge more for drivers under 25 because they are considered high-risk drivers.

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How much does it cost to add a driver to car insurance?

Take a look at the following table that shows how much your auto insurance will increase on average by adding a teenager to your policy.

Average Annual Auto Insurance Rate Increase When Adding a Child by State
StatesAverage Annual Rates for Adult OnlyAverage Annual Rates with a Teen AddedPercent Rate Increase
Idaho$1,019$2,812176%
Indiana$1,057$2,538140%
Iowa$1,073$2,570140%
North Dakota$1,123$2,688139%
Wisconsin$1,147$3,011163%
New Hampshire$1,156$3,406195%
Vermont$1,166$2,978155%
North Carolina$1,170$2,608123%
Illinois$1,176$3,635209%
Utah$1,212$3,243168%
New York$1,214$3,347176%
Alaska$1,246$3,600189%
South Dakota$1,250$2,776122%
Hawaii$1,255$1,2923%
Nebraska$1,287$3,449168%
Missouri$1,288$2,978131%
Alabama$1,304$3,504169%
Washington$1,307$3,323154%
Oregon$1,325$3,456161%
Minnesota$1,339$3,392153%
Tennessee$1,339$3,487160%
South Carolina$1,353$4,230213%
Arizona$1,399$4,463219%
Kansas$1,412$3,300134%
New Jersey$1,419$4,590223%
Pennsylvania$1,438$3,142118%
West Virginia$1,467$3,766157%
Oklahoma$1,469$3,446135%
New Mexico$1,498$3,991166%
Mississippi$1,504$3,671144%
Maryland$1,541$4,280178%
Arkansas$1,556$4,021158%
Wyoming$1,577$3,830143%
Nevada$1,578$4,785203%
Montana$1,589$3,230103%
Kentucky$1,611$3,903142%
Massachusetts$1,616$3,964145%
Texas$1,644$4,387167%
Colorado$1,675$4,082144%
California$1,783$5,660217%
Georgia$1,815$5,343194%
Delaware$1,838$4,503145%
DC$1,887$5,261179%
Connecticut$1,980$5,167161%
Rhode Island$2,011$5,829190%
Louisiana$2,228$7,007214%
Florida$2,250$5,496144%
Michigan$2,368$6,217163%
Maine$884$1,977124%
Ohio$959$1,931101%
Virginia$993$2,974199%
National Average$1,447$3,775161%
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The worst-case scenario is adding your child to your policy after they have received several traffic violations. Young drivers are already considered high-risk drivers.

If they also have speeding tickets, then they are considered very high risk by the insurance companies. If this is the case, the best option may be to shop around to find the best rate for your situation.

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How can I save money when adding a child to my policy?

If your child doesn’t live at home full-time, then you can save money on that part of your policy.

If the child only lives at home during the summer months while off from school, your insurance carrier may be able to give you auto insurance discounts during the months that your child doesn’t have access to your vehicle.

If your child lives at home all the time, it is anticipated that he or she will have regular access to the vehicle.

If the child has divorced parents, both parents may be required to add the child to their insurance. It depends on the access that the child has to the vehicle and how often they live at each parent’s house. More details can be found by asking your insurance agent.

If your insurance carrier is going to significantly increase your rate for adding children to your policy, you may be able to find a better rate elsewhere.

Some companies specialize in non-standard auto insurance. However, just comparing options among providers is essential. Male drivers also cost more to insure. Why?

According to the Insurance Institute for Highway Safety (IIHS), the number of male driver fatalities every year is more than double the number of female driver fatalities. This difference is due to males participating in risky behaviors like impaired driving, speeding, and driving without a seatbelt.

If you are trying to save on auto insurance for a male driver, check to see what options are available to set your child as an alternate driver versus a full-time driver for the vehicle.

Non-standard insurance may be the best option, especially if your child already has several traffic violations on his or her driving record.

The best bet is to ensure your child drives as safely as possible so your auto insurance doesn’t drop them from your policy.  Can your auto insurance drop you after a claim?

Yes, your insurer can drop you. So talk to your child about driving responsibly. Encourage them to avoid common driving distractions such as talking on the phone.

Some insurance policies may have a way to distinguish between a child who will periodically drive versus a child who will be exclusively operating one of your vehicles. This is one way to potentially save on insurance when adding children to your policy.

What are the benefits of adding a teenager to my auto insurance policy?

You are probably wondering, do I have to add my teenager to my auto insurance? Even though adding a teenager to your auto insurance policy will raise your rates, there are several benefits to adding your teenager to your policy instead of making them purchase their own.

  • It is cheaper than having teenagers buy their own policy. Teenagers who buy their own policies are usually forced to pay anywhere from $5,000 to $10,000.
  • Teens will have better coverage under your policy. Because of the expense of individual teen policies, most teenagers skip necessary coverages.
  • It is easier to earn discounts. You will get a bigger discount for the drivers and vehicles you add to your policy. There are also discounts for young drivers, like good student discounts.

The best option is usually to add your child to your insurance policy, as it is the more economical choice for both you and your child.

Can I add someone to my car insurance that doesn’t live with me?

No, you cannot add someone who doesn’t live with you to your auto insurance. There may be a few exceptions, such as adding individuals who frequently use your vehicle. In the end, it really depends on your coverage type and your provider.

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Frequently Asked Questions: Adding Children to an Auto Insurance Policy

Read on to see what other parents are asking about adding a child to auto insurance.

#1 – Can I drop my child from my auto insurance?

Yes, you can drop your child from your policy if you are the primary policyholder. However, keep in mind that insurers will be reluctant to let you drop a child if that child is still living with you, as your child may still be driving your vehicles.

But if your child has moved out or bought their own vehicle or policy, it will be simple to drop them from your coverage.

#2 – How long can a child stay on a parent’s auto insurance policy?

As long as your child lives with you, he or she can stay on your auto insurance policy indefinitely. There is no age cutoff when it comes to children and auto insurance policies.

#3 – When should my child get his or her own auto insurance policy?

Children should get their own auto insurance policy when they move out of the house. Even if they purchase a vehicle of which they are the sole owner, they can still stay on your auto insurance.

#4 – When will auto insurance rates for teenage drivers decrease?

Rates won’t start going down significantly until young drivers hit age 25. However, children who are accident-free may see a small decrease in rates every year.

#5 – Can my child drive my vehicle without insurance?

No. If your child doesn’t have insurance, they can not drive your vehicle. You risk huge bills and being dropped by your insurer if an uninsured driver crashes your vehicle. The exception is if children only have learner’s permits and are not legally required to have insurance yet.

To start the process of adding your child to your auto insurance policy get affordable auto insurance. Enter your ZIP code below to compare free online auto insurance quotes for your teen drivers instantly.

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