Can I be on my parents' car insurance if I don't live with them?
Asked by: Lina Swaniawski | Last update: July 10, 2025Score: 4.6/5 (39 votes)
Can I be on my parents' car insurance with a different address?
Nope. Your car needs to be registered and insured where you live. Besides that it's fraud, if you used your parents' address when you lived in another state, it would be easy for an adjuster to find out and the claim most likely would not be covered.
Can I insure my daughter's car if she doesn't live with me?
Unfortunately, because the car and your child are not located at your house anymore, they cannot stay on your car insurance policy unless they're a full-time student. Car insurance providers require that the insured live at their residence and park their car at their address to be listed on a policy.
Can I stay on my parents insurance if I don t live with them?
Age: Most insurers allow you to remain on your parents' policy until age 26, but it's essential to check with the specific insurance provider. Residency: You may need to live with your parents or be a full-time student. If you move out, some insurers may require you to obtain your own policy.
Can you be on your parents car insurance without living with them?
Depending on your insurer, you can remain listed as a driver on your parents' policy as long as their home is your permanent address or you're a full-time student. Once you've permanently moved out, you'll likely need to obtain your own car insurance policy.
How Expensive Should My Teenager's Car Be?
Can I add someone to my car insurance that doesn't live with me?
You typically will not be able to add a non-related driver who does not live in your home to your insurance policy. If you and a friend own a vehicle together but do not live at the same address, you may have trouble obtaining an auto insurance policy.
Can I stay on my parents' car insurance if I live in a different state?
As long as your primary residence is still your parents' address, your insurer will likely allow you stay on your parents' insurance. However, this may not be the case if you attend school out of state.
How long can I be on my parents' car insurance?
But how long can you stay on your parent's policy? Unlike health insurance, which can have an age limit of 26, you can stay on your parent's car insurance policy indefinitely if you live in the same house. Now, if you move out, you'll probably need your own.
Can someone be on your insurance if they don't live with you?
Yes, it is possible to add someone to your car insurance policy who doesn't live with you, depending on your insurance company's policies. Typically, insurance companies allow you to add immediate family members or someone who regularly drives your vehicle.
How long can I use my parents' address as my permanent address?
Your parents' home where you can return to at any time still remains your permanent home address. This is even if you've lived away from this address for the past four or five years.
Can I drive my parents car if my name isn t on the insurance?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
Do you have to live at the same address for car insurance?
If you and your friend don't currently share an address, then they won't be able to be on your car insurance policy — even if they're planning to move in at a later date. However, as soon as they move in and their permanent address is the same as yours, you can update your policy to add your friend.
Can someone else insure a car they don't own?
You must prove you have a financial stake in the vehicle. If you can't prove why you have interest in the vehicle in which you are not on the car title, an auto insurance company will be hesitant to insure you. This is due to the risk of fraud and the questionable legality of approving filed claims.
Can I put my adult child on my car insurance?
According to Lynch, a child living at home or going away to college or graduate school will be allowed to remain on their parents auto policy with no additional fees until age 24, unless he or she has purchased a separate insurance policy.
Is it illegal to use someone else's address for car insurance?
If you live somewhere with a high rate of auto theft, your premium may be higher. Lying about your address on your car insurance is illegal, even if you're related to or know the people who live at the false address you list.
What happens if I don't add my teenager to my car insurance?
Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.
Can you be on your parents insurance without living with them?
You can stay on a parent's plan until you turn 26
Get married. Have or adopt a child. Start or leave school. Live in or out of your parent's home.
Can my daughter drive my car if she doesn't live with me?
Even if they don't live with you, they should be added to your policy if they regularly drive your vehicle. A driver who lives in your household and isn't listed on your auto policy may be denied coverage if they borrow your vehicle and are involved in an accident.
What happens if you don't update your address with car insurance?
Failing to update the garaging address when moving home. This can impact your insurance coverage as when making a claim, the coverage will be based on your previous address and could result in not being able to claim any money back from the insurer.
Can I be on my parents car insurance if I moved out?
Moving Out
If you're a full-time college student, you can usually stay on your parents' policy as a listed driver. However, if you move out permanently, you'll need your own policy, especially if you take a vehicle with you. Remember, your parents can't insure a car that's not kept at their address.
Can you be on your parents' insurance if you move out?
This means that if you move out and change addresses to your parents, you should acquire your own policy. Once you move out, you may not be covered under your parent's policy. However, there are caveats. If you're considered a dependent, you can stay on your parents' insurance policy.
Do you have to live at home to be on parents car insurance?
Can my parents insurance cover my car if I don't live with them? No, insurers typically require all vehicles insured on the same policy to be kept at the same address.
When should you take your child off your car insurance?
If your child has recently purchased their own vehicle, you should also consider removing them from your policy. If they are listed as the registered owner of the car, the majority of companies will require them to have the vehicle covered by their own policy, where they are listed as the main insured.
Can you have someone on your car insurance that doesn't live with you?
Most auto insurance policies are designed to cover cars that multiple people in the same household drive. An insurer may allow you to add a driver who doesn't live in your home, but whether or not that happens depends on the insurance company you choose and your state's insurance code.
Does insurance go up if you add a driver?
Typically, adding drivers to your policy can increase your premium. For example, there is a reason adding a teenage or newly licensed driver to an auto policy can result in an increase in insurance premiums.