Auto Insurance for Foster Carers (How to Save)
Auto insurance for foster carers is, essentially, comparable to auto insurance for anyone else. In a few states where foster parents can get money back, but these states are few and far between. Some good news is that, for the most part, foster parents do not need to obtain any additional form of coverage or pay extra auto insurance rates. Once the foster child reaches driving age, they should be added to the foster parent's policy just like a biological child.
Free Car Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Apr 29, 2022
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Table of Contents
- Adopting a child does not raise your auto insurance rates.
- Adopting a child also does not automatically decrease your rates.
- If you add your adopted child to your policy come driving age they’ll be treated the same as a biological child.
Today we’re going to be going into auto insurance for foster carers. We’ll answer every question we can, including whether or not business auto insurance will be necessary for a foster carer. To learn more about this type of coverage, read our article What does business auto insurance cover?
Before you buy auto insurance for foster carers, get he best rates you can by comparing rates from insurers in your area.
More: Auto Insurance for Doctors (Rates + Discounts)
We’ve made it simple, just type your ZIP code into our free and helpful tool above to find affordable auto insurance quotes for foster carers in your area.
Table of Contents
Fostering and Auto Insurance
There are many benefits to fostering a child, aside from the knowledge that doing so makes the world a better place. While it’s expensive, just like raising a biological child, there are perks to help you do so, including monthly subsidies.
You also can receive a tax credit and in some states, your foster child can even attend college for free. How about insurance benefits? While it’s not auto insurance, it is important to know that foster children are allowed to keep state-funded health insurance until at least the age of 18.
More: Auto Insurance for Bus Drivers
There are several states that offer what amounts to rebates to foster carers, including Arkansas, but these are few and far between. Still, it’s not as if adopting a child raises your rates just because you adopted a child. Thusly, we’d be best off looking at the general state averages for auto insurance.
| States | Average Annual Liability Auto Insurance Rates | Average Annual Full Coverage Auto Insurance Rates |
|---|---|---|
| Alabama | $394.21 | $868.48 |
| Alaska | $539.68 | $1,027.75 |
| Arizona | $508.76 | $972.85 |
| Arkansas | $394.13 | $906.34 |
| California | $489.66 | $986.75 |
| Colorado | $520.04 | $981.64 |
| Connecticut | $650.94 | $1,151.07 |
| Delaware | $799.30 | $1,240.57 |
| District of Columbia | $628.82 | $1,330.73 |
| Florida | $857.64 | $1,257.13 |
| Georgia | $557.38 | $1,048.40 |
| Hawaii | $458.54 | $873.28 |
| Idaho | $344.29 | $679.89 |
| Illinois | $446.72 | $884.56 |
| Indiana | $382.68 | $755.03 |
| Iowa | $299.18 | $702.46 |
| Kansas | $358.24 | $862.93 |
| Kentucky | $529.21 | $938.51 |
| Louisiana | $775.83 | $1,405.36 |
| Maine | $338.87 | $703.82 |
| Maryland | $609.74 | $1,116.45 |
| Massachusetts | $606.04 | $1,129.29 |
| Michigan | $795.32 | $1,364 |
| Minnesota | $456.82 | $875.49 |
| Mississippi | $460.50 | $994.05 |
| Missouri | $415.88 | $872.43 |
| Montana | $386.29 | $863.52 |
| Nebraska | $364.64 | $831.02 |
| Nevada | $681.56 | $1,103.05 |
| New Hampshire | $400.56 | $818.75 |
| New Jersey | $869.57 | $1,382.79 |
| New Mexico | $488.03 | $937.59 |
| New York | $804.51 | $1,360.66 |
| North Carolina | $359.42 | $789.09 |
| North Dakota | $298.18 | $773.30 |
| Ohio | $397.11 | $788.56 |
| Oklahoma | $461.01 | $1,005.32 |
| Oregon | $584.13 | $904.83 |
| Pennsylvania | $499.06 | $970.51 |
| Rhode Island | $759.80 | $1,303.50 |
| South Carolina | $527.09 | $973.10 |
| South Dakota | $300.22 | $766.91 |
| Tennessee | $413.91 | $871.43 |
| Texas | $528.75 | $1,109.66 |
| Utah | $497.53 | $872.93 |
| Vermont | $343.12 | $764.02 |
| Virginia | $425.61 | $842.67 |
| Washington | $596.67 | $968.80 |
| West Virginia | $491.83 | $1,025.78 |
| Wisconsin | $374.37 | $737.18 |
| Wyoming | $321.04 | $847.44 |
| National Average | $538.73 | $1,009.38 |
Get Your Rates Quote Now |
||
Keep in mind that adding a child to your policy will raise your rates, sometimes by as much as 161%. Adding a foster child is no different. Liability insurance is what you’ll almost certainly need. Every state requires property damage liability insurance. Every state, save for Florida, requires bodily injury liability insurance.
If you choose to foster a child, you’ll need to be sure that your various insurance policies also cover your foster children. This means informing your insurance company that you now foster. The company then will include your foster children as members of your family.
More: Auto Insurance for Mechanics
So, we talked about liability insurance, but does a foster parent need any special forms of coverage? Let’s find out.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Do foster carers need business auto insurance?
When you use your automobile as a business, think delivery driving, you need a special form of coverage. So is being a foster parent the same thing as running a business from your automobile? No. To learn more about when you will need this form of coverage read our article When do I need business auto insurance?
All you need is the standard domestic policy. Just to stress again, you must let your insurer know that you foster. You’ll be asked what your occupation is, and you can just say foster carer.
More: Auto Insurance for Diplomats
So, all in all, being a foster parent really doesn’t affect your rates all that much. Just be sure to inform your insurer that you plan on or have just become a foster parent. Inquire as to whether or not there are any discounts available, just as you would in any other situation.
First, though, you have to find an auto insurance company for foster carers.
Type your ZIP code into our free and helpful tool below to find affordable auto insurance quotes in your area.
More: Auto Insurance for Engineers
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
|
Written by
Rachel Bodine |
|
Reviewed by
Daniel Walker
|
