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How long can you stay on your parent’s car insurance?

  • Auto Insurance
  • Xavier Sabastian
  • 4 minutes

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Do you want to know how long you can stay on your parent’s auto insurance policy? In a nutshell, as long as you live with them. The short answer, on the other hand, does not provide a whole picture. We will explain how dependents’ auto insurance coverage works and provide insurance tips for young drivers.

The most crucial thing you can do if you’re ready to leave your parents’ auto insurance coverage and start your own is to examine your possibilities. Car insurance is a significant investment, and coverage isn’t always clear. 

staying on your parent's insurance

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What do you mean by staying on your parents’ insurance?

You don’t “remain on” your parents’ car insurance like you do their health insurance. Individuals are not covered by car insurance, but cars are. Although each insurance includes a specified policyholder, most incidents are covered regardless of who is driving. In most cases, anyone who drives a car with the owner’s consent is covered by the car’s auto insurance policy. Car insurance companies frequently want information on who lives in the same house as the policyholder. All of these individuals have the potential to be drivers. 

A child of driving age who lives at home and spouses and other dependents will certainly be covered by the policy.

Pros and cons of staying

Individual plans for drivers under the age of 25 can be quite expensive. This is because these inexperienced drivers have yet to acquire a driving record. Staying on your parents’ auto insurance coverage will save you money if you can. When a young driver gets their car, they might require their auto insurance policy.

PROS CONS
Any accidents that occur while the youngster is driving will be covered by insurance. When young drivers are named on policies, premiums are higher.
It is frequently less expensive to have a child covered under a parent’s policy than to obtain individual coverage for the youngster.

How long can you stay on your parents’ insurance?

You can continue to be covered by your parents’ auto insurance policy indefinitely. As long as you dwell at the same address, there is no age limit. If you possess a car, you must either have your insurance policy or be listed on your parents’ policy. In most cases, the policyholder for a certain car must be the person whose name appears on the title. Whether you are 16 and still living at home or 26 and living on your own, this is true.

parent's insurance policy

College students who live at home during the summers or attend full-time school are typically covered by their parent’s insurance policy. After leaving the nest for good, children are only “off” their parents’ policies. Tell your insurance company if you move out or decide not to be covered under your parents’ car insurance policy.

If you’re a parent, you might be able to remove a child from your policy (and save money) by contacting your vehicle insurance company and confirming that your child no longer lives with you. Depending on your child’s age, you may need to show their primary abode.

parent's insurance policy

Tips to reduce rates

Young, particularly teen boys, are expensive to insure. This is because young or new drivers, as a group, are more likely to participate in risky driving conduct. Young or new drivers have slower reactions than adults, but they are less experienced and have weaker risk-assessment skills in general. There are ways to save money on your teen’s auto insurance, and some companies provide greater discounts than others. Some savings, such as good student discounts, are typically provided to teen drivers, though availability varies by state and provider. Check with your healthcare practitioner to see if any of these choices are available to you.

Adding your child to your insurance

Discounts available for youngsters on parent’s insurance – 

  • Discounts for good students: Students with good grades may qualify for discounts. 
  • Discount for students away at school: If your child is attending college, your auto insurance carrier may offer a discount. This discount is only valid during the months when your child is living away from home and does not have access to your vehicle.
  • Safe driving discount: Many providers have apps that track your driving and discount you if you drive safely.
  • Low mileage discount: If your teen drives to and from school, they may qualify for a low mileage discount.

Check out our blogs for info on finding top-rated airport parking, the best parking spots in your city, and affordable car washes near you.


Check with your car insurance company about alternative methods for lowering adolescent driving premiums. You can also get in touch with our insurance advisors here.

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