Am I covered under my parents’ car insurance? Or do I need to get my own policy?

Teens are covered under their parent's car insurance while they are still living at home, and under some other circumstances. Read the article to learn how long you can stay on your parent's auto insurance as a teen.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

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 and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 26, 2022

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Things to remember...

  • You need to live with your parents to be covered under their car insurance
  • There is no age limit for when you can no longer be on your parents’ car insurance policy
  • Some states require that the car insurance policyholder must be the same as the owner of the car

Are you wondering if your parents’ car insurance may cover you and if being covered by their car insurance will help you save money? It can be difficult to understand your car insurance policy, and the answers to questions like these aren’t always straightforward. 

That’s why we made it easy for you to determine if you are eligible to be covered by your parents’ car insurance. 

This article will show you when you can be covered under your parents’ car insurance and provide you with important information to help you decide if you need to get your own policy.

Does my parents’ car insurance automatically cover me as a teen?

Although your parents’ car insurance may cover you, this is not something that happens automatically. To add you to their car insurance policy, your parents will need to contact their car insurance company and let them know that you need to be added to the policy. 

This is a pretty straightforward process. The agent will get some information from your parents about you and the car you will be driving to help determine if you are eligible to be added to the car insurance policy

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How much will the premium increase when I am added to my parent’s car insurance policy?

The price for car insurance varies by company and due to other factors. It depends on your age, driving record, any car insurance discounts that may be available, and the amount of coverage that you and your parents select. You and your parents will undoubtedly want to get quotes from various car insurance companies to decide on a policy that is sufficient and makes economic sense. 

The table below shows the annual rates for 17-year-olds who have their own policy, compared to drivers who are older with more experience.

Average Annual Auto Insurance Rates by Age and Gender
CompaniesMarried 60-Year-Old Female RatesMarried 60-Year-Old Male RatesMarried 35-Year-Old Female RatesMarried 35-Year-Old Male RatesSingle 25-Year-Old Female RatesSingle 25-Year-Old Male RatesSingle 17-Year-Old Female RatesSingle 17-Year-Old Male Rates
State Farm$1,873.89$1,873.89$2,081.72$2,081.72$2,335.96$2,554.56$5,953.88$7,324.34
American Family$1,992.92$2,014.38$2,202.70$2,224.31$2,288.65$2,694.72$5,996.50$8,130.50
Liberty Mutual$3,445.00$3,680.53$3,802.77$3,856.84$3,959.67$4,503.13$11,621.01$13,718.69
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Can I use my parents’ car insurance if I live with them?

The critical requirement for being covered by your parents’ car insurance is that you are living with them in their home. If you live away at college for part of the year, that’s fine, as long as your permanent address remains with your parents and you will be returning to their home to continue to reside with them.

Your parents should always consult their car insurance agent regarding any questions they have about adding you to their car insurance policy and the specific rules and requirements of their car insurance policy.

At what age can I no longer get car insurance under my parents’ name?

There is no age limit for how long your parents’ car insurance can cover you. So as long as you live with your parents, you may be covered by their car insurance. 

But as you get older, you and your parents will want to keep getting current quotes for car insurance to keep track of how the price is changing based upon risk factors such as your age and driving record. Eventually, you may reach a point where it makes more financial sense to get your own car insurance policy even though you still live with your parents.

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Can I still be covered by my parents’ car insurance if my name is on my car’s title?

Some states require that the person listed on the car’s title must have their own insurance policy. In those states, if you are the sole owner of the car, you must always have your own insurance. But if your parents are also listed on the title, then you can stay on their insurance policy no matter your age. 

The reasoning behind this is that anyone insuring a car has to have an “insurable interest” in that car, so no one can insure a car for which they aren’t listed as an owner.

Teen Drivers and Auto Insurance Coverage: The Bottom Line

Different states and different insurance companies have different rules, but generally, if you own your vehicle, you need to have insurance in your own name. You can be covered by your parent’s policy if you are a regular driver of their vehicle. Comparison shopping can help you get the best available rates for the car insurance coverage you need to protect your family.

Get online quotes instantly, compare rates with several different carriers, and get the protection that you need in minutes. If you need coverage for your teen driver, compare free quotes right now by entering your ZIP code below.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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