Can I insure my daughter's car if she doesn't live with me?
Asked by: Prof. Adan Gaylord MD | Last update: July 1, 2025Score: 4.2/5 (68 votes)
Can I put my daughter on my car insurance if she doesn't live with me?
If you have a child who is using the family vehicle while away at college, you may be able to keep them on your car insurance policy. You typically will not be able to add a non-related driver who does not live in your home to your insurance policy.
Can my parents insure my car if I don't live with them?
All drivers that share the same permanent residence should be listed on each policy. If you're married and don't live with your parents, you'll need your own policy.
Can you insure a child that doesn't live with you?
You can keep your biological, step, adopted, or foster children on your health insurance, even if they aren't dependent on you, until they turn 26. You can include siblings on your plan if you can claim them as tax dependents with the IRS.
Can someone at a different address be on my car insurance?
Legally the only address you can use is where your car is your primary address and often that's your home address. Using someone else's address is considered insurance fraud. Insurers can deny your claims and cancel your insurance if you make a claim and they find out that you weren't truthful about your address.
Can I add my daughters boyfriend to my car insurance?
Can you insure a car that is not at your residence?
If you're homeless and in need of car insurance, keep your vehicle at a friend's house and use that address for your quote. It's critical that you park the vehicle at this location when it's not in use.
Can I have a different address on my license and insurance?
First of all, your insurance policy and your driver's license (as well as your vehicle registration) should use the same address. Depending on which insurance company you have, that will determine how quickly you should get this taken care of, but generally it's around 30-60 days.
Can I insure my daughter's car?
No, your child does not need to own or lease a car to have car insurance. As long as your child is driving a vehicle owned by you or someone else in your household, they should be added to your car insurance policy, as drivers under the age of 18 cannot typically purchase their own car insurance policy.
Does someone have to live with you to be on your car insurance?
It depends on your insurance company. Some will require you to list all drivers who live at your residence on your policy. Others might not require roommates to be on your policy if they never drive your car.
Can you be on your parents' insurance if you don't live with them?
You can stay on a parent's plan until you turn 26
Have or adopt a child. Start or leave school. Live in or out of your parent's home.
Can I insure my son's car if he lives in another state?
In general, your car must be registered and insured in the same state, since both vehicle registration and auto insurance are based on your permanent residence. In fact, using an address for insurance that's different from the primary residence where you keep your vehicle is a form of insurance fraud.
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.
Should I put my daughter's car in my name?
If your child lives elsewhere, they should really title the vehicle in their name. If your daughter still lives at home, some of our insurance companies allow vehicles to be titled in your daughter's name and still be on your insurance policy - we would list them as an additional insured on your policy.
Can you be on your parents car insurance and not live 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.
When should your child get their own car insurance?
As kids grow up, when do they need to get their own auto insurance policy? If your child has moved out of your house and is no longer a dependent, they need to have their own insurance policy. Under most personal auto insurance policies, the “insured” covered by the policy includes “family members”.
Can my wife drive my car if she's not on my insurance?
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. Family members who live in your household and drive your vehicle, including a teenager or your significant other, should be listed as drivers on your policy.
Can my daughter drive my car if she doesn't live with me?
If your child doesn't live with you, she needs to have her own car insurance policy -- even if she's a co-owner of your vehicle.
Can you share car insurance with someone who doesn t live with you?
If they satisfy certain requirements, some insurers will let you add domestic partners and significant others who don't live with you to your insurance. You can occasionally add friends who don't live with you, but in the end, it all comes down to the terms and conditions of the insurer's policy.
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 I put my daughter on my insurance if she doesn't live with me?
Living with parents: Your child doesn't have to be living with you at the time you enroll them in your health insurance plan, provided they've lived with you long enough to meet the residency requirement. Marital status: your child is still eligible for coverage if he or she is married or has children.
Can someone insure a car that is not in their name?
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.
What happens if you don't add a driver to your insurance?
If someone in your household, who is unknown to your insurance company, gets in an accident, your insurer might rescind or cancel your policy and/or deny your insurance claim because they've been kept in the dark.
Does your car have to be registered where you live?
California allows nonresidents to register a vehicle in the state if the car is based in California or primarily used on California highways.
Can you use someone else's address for car insurance?
Using a friend or family member's address, especially if they live in a safer neighborhood, is a common tactic to reduce auto insurance premiums. However, this practice, seemingly harmless and financially savvy to some, is viewed as fraudulent by insurance companies.
What happens if you don't change your address on your driving licence?
If you never get pulled over, then the odds are that nothing will happen, but you would still likely violate a state regulation. But if you are at a highway checkpoint or get pulled over for a potential infraction, you could face penalties depending on the state and how long you've lived there.