How Long Can You Stay on Your Parents’ Car Insurance?

There is no limit to how long you can stay on your parents’ car insurance. If you have the same address, you may be 18 or 45 years old and still under the law of your parents.

But depending on the situation, such as getting married or moving away, you may need to look into getting your own auto insurance.

Let’s explore the pros and cons of sitting on your parents’ car insurance as well as ways to keep your rates affordable.

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How long can you stay on your parents’ car insurance?

There is no limit to how long you can stay on your parents’ car insurance. If you are living with your parents or are in another acceptable situation as determined by your insurance company, you can stay on the policy if both are interested in eat

This is different from other types of insurance, especially health insurance. In most cases, you can stay on a parent’s health insurance until you are 26 years old. At that time, you should find your own insurance, whether through a job, a partner’s insurance, or the health insurance market.

Fortunately, your parents’ auto insurance does not have a limit. This gives you some flexibility in continuing the insurance, especially if you haven’t left home.

But do you have to stick to your parents’ rules no matter what? It may depend on circumstances, including what your parents want to do.

Let’s explore a few different scenarios to see some of your options.

What if you have your own car?

You may need additional auto insurance if you own a car. It comes down to checking with your insurance company to see if you need to have a policy. Remember that it may not matter if your parents share ownership of your car.

If you don’t need it, you should be free to add your car to your parents’ car insurance. This often increases premiums, but may be cheaper than getting your own insurance policy.

What if you leave school?

It’s always worth checking with your insurance company, but whether you need to get your own car insurance while you’re going to school usually depends on whether you have a car.

If you don’t bring a car to school but still visit your parents and use their car to go to town, you must abide by your parents’ rules. But having your own car while going to school may require you to have car insurance.

What if you leave?

Car insurance companies often allow you to add people to the policy if you both live at the same address. There are exceptions, such as a college student who leaves school and doesn’t have a car.

If you move out of your parents’ home, you may need to get your own car insurance. This can be discussed with your insurance company if you don’t own a car and often use your parents’ cars.

But if you move out and have your own car, you’ll likely need your own policy.

What if you are married?

The act of getting married doesn’t mean you need your own car insurance. If you’re married and living at home, you may be able to keep your parents’ car insurance.

But you may need your own auto insurance if you have your own car and move out of your parents’ house.

The pros and cons of sticking to your parents’ rules

The best thing about being on your parents’ car insurance is that it tends to be cheaper than having your own insurance. This may be the case if you are a young adult under the age of 25. Young drivers and new drivers, including young drivers, often have higher rates, so be on top of the law. Others can help lower your costs.

What about your parents? Adding a young driver usually increases the cost of car insurance, which makes things more expensive for your parents. So it is useful to have a discussion together on how to divide the cost of insurance and make things right.

How to lower your – or your parents’ – car insurance costs

1. Compare rates between insurance companies

Perhaps the fastest and easiest way to find out if you can lower your car insurance rates is to see what is available from different insurance companies in your area. Considering that there are many insurance companies all over the country, it is usually easy to find a few quotes for the insurance.

The key to a fair comparison is to make sure you are comparing apples to apples when checking insurance websites. Remember to enter the same information, such as the type of your car, and choose the same types of insurance and limits.

It can help you find the lowest rates available for the same type of insurance.

2. Use discounts

Most online auto insurance quotes make it easy to find out what discounts are available as you submit your information. But if you want to make sure that you are getting all the necessary discounts to add to your insurance, call an insurance agent or check directly on the insurance company’s website to see what is available. This can help you find discounts you didn’t know existed.

Here are a few examples of common auto insurance discounts:

  • Good student discount: Get this if you have a full-time student in your policy with good grades, usually a B average or better.

  • Safe driving tires: Get this discount by having a clean driving record for the last three to five years.

  • Combined discount: Join other organizations, such as the military or another government organization.

3. Consider pay-per-mile insurance

Do you drive less than 10,000 miles a year? Do you work from home? Do you primarily use your car for errands?

If you answered yes to any of these questions, you may not be using your car as much as you think. And you may be able to save money by switching to mileage based vehicles.

A pay-per-mile program provide auto insurance at rates that depend on the size of your vehicle. It might be worth looking into if you don’t think you have much of a car. There’s no guarantee you’ll save money on your current rates, but it doesn’t hurt to check.

4. Improve your credit score

Many auto insurance companies use your insurance score to help predict losses. An insurance score is not the same as a credit score, but is based on information from your credit report, and is how credit scores are obtained.

If you improve your credit score, positive information will be added to your credit report. This information can be used to increase your insurance score, which can help lower your car insurance costs.

5. Maintain safe driving

Your driving record provides a history of any driving accidents, citations, arrests, and more. Most insurers only consider the most recent events on your driving record from three to five years ago, but the exact time frame can vary.

If you want to lower your rates as much as possible, having a clean driving record is key. This is why it can be beneficial to practice safe driving habits and to maintain a clean driving record.

6. Lower your insurance limit

Most states require a minimum amount of liability insuranceand some states also require a few extras, such as personal injury coverage or uninsured/underinsured. If you want to lower your insurance premiums, consider lowering your insurance and/or increasing your deductibles.

Keep in mind that this is reversible and will cost you more in the event of a car accident. It’s important to find a balance between having enough coverage and keeping your costs down.


Is living on your parents’ car insurance cheaper?

It may be cheaper if you are a young driver under 25. Younger drivers tend to pay higher car insurance rates, but being on your parents’ plan can help reduce those costs. However, you may not know what the cheapest plan is until you compare the rates for you and your parents’ insurance.

How long can I get car insurance through my parents?

There is no age limit for auto insurance like there is for health insurance. This allows you to stay on your parents’ policy for as long as the insurance company allows. This usually means sharing the same permanent address with your parents, although this policy can vary by state and insurance company.

Can my parents’ car insurance cover my car if I live at the same address?

Your car will be protected if it is on your parents’ car insurance. This will require you to add your car to their insurance plan, which will often increase the total cost of premiums. Sharing a policy can make things easier and cheaper, but you may need to get insurance if you own your car.

When should I opt out of my parents’ car insurance?

If necessary, which you can usually afford and you no longer live with your parents. But remember, if you go to college and don’t have a car, some insurance companies will let you live on your parents’ policy. So it may make sense to find your own insurance after graduation.

bottom line

There is no age limit for how long you can stay on your parents’ car insurance. Ultimately, it comes down to each situation at the right time to get your own insurance. But children usually look at their own policies after they leave the parents’ house and have their own car.

To help lower your car insurance costs, compare different companies to see what their insurance rates are. Use our page at best car insurance to see what’s available in your area.

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