Can I remove my adult child from my car insurance?
Asked by: Dr. Rene Little MD | Last update: January 10, 2026Score: 4.3/5 (4 votes)
How to get your adult child off your car insurance?
Call your agent or broker and ask that they ``exclude'' your child from your policy. They will send you an exclusion form that you will need to sign and return.
Can my parents remove me from their car insurance?
Your mother can legally take you off the insurance whenever she feels she wants to after the age of 21 or if somebody else comes into the picture that wants to pay for your insurance.
Can I take my adult child off my insurance?
If your adult child is turning or has turned 26, ask your insurance provider exactly when they will lose coverage - it could be the day of, the month of, or at the end of the year. If not, you have to wait until open enrollment to disenroll them. When they lost insurance, they get their own enrollment period.
Can I exclude my child from my car insurance?
The vehicle insurance follows the car as long as the person driving has your permission to drive the vehicle. So, you can remove your children as drivers under your policy and the vehicle would still be covered if they got into an accident while using one of the vehicles.
Should I Remove My Son From My Car Insurance? | The Law and You | Fellerman & Ciarimboli
Should I put my adult child on my car insurance?
Do my parents have to put me on their car insurance? Only if you live with them. Insurers typically require all licensed drivers who live at the same address to be listed on a policy, especially if they frequently borrow each other's cars.
When should you take your child off your car insurance?
Many parents generally opt to retain teens on the family's automobile insurance policy until they graduate from college, assuming they find employment and live away from home. At this point they should be paying for their own housing, food and credit card bills, building up a positive credit rating.
Can you remove someone from your car insurance at any time?
Can you remove someone from your insurance at any time? If a listed driver on your policy moves out of your residence, you can generally remove them from your auto policy. Depending on the insurer, you may need to provide proof that they no longer live with you.
What happens if I don't add my child to my auto insurance?
One of the biggest risks of not adding your teenager to your car insurance is what happens if they get into an accident. Even if it's a minor fender bender with no injuries or property damage, it can open up a can of worms with your insurer.
Can my parents drop me from their insurance?
Most states allow you to stay on your parents' health plan until you turn 26 years old, though there are a few states that offer extensions under certain circumstances. You can choose to get your own health insurance before you turn 26, or your parent might remove you from their plan before then.
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.
Can my son drive my car if he doesn't live with me?
If your son doesn't live with you but needs to borrow your car, he can do so with your permission. It is known as permissive use, which means that when someone who doesn't live with you gets permission to borrow your car, they are also “borrowing” your auto insurance coverage.
How long can your parents keep you on their 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 my daughter drive my car if she is not on my insurance?
Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle. If they're involved in an accident, your auto insurance may pay for the damages and injuries, up to your coverage limits.
Do all household members need to be on car insurance Progressive?
Many insurers, including Progressive, require you to add a spouse to your car insurance policy if you're both living in the same household (unless your state gives you the option to exclude your spouse). Adding your spouse to your policy ensures that you're both covered in the event of an accident.
At what age does car insurance go down?
Both male and female drivers see the biggest drop in average annual car insurance premiums between the ages of 18 and 19. This is because younger drivers are seen by most auto insurance companies as riskier to insure due to their overall inexperience behind the wheel.
Can I exclude my son from my car insurance?
If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. There are times you might not want a licensed family member covered on your policy due to the impact their status could have on your premium.
Can my wife drive my car if she's not on my insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
Should I add my adult child to my car insurance?
Insurance companies generally require that any person in the household be listed on your policy regardless of driving status. The reason is that the company wants to know who they will and will not cover as a driver if there is a claim involving your vehicle.
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 I remove my child from my insurance?
Contact your auto insurance company or the licensed insurance agent of record for your policy and ask to have your child removed. Provide any required documentation, like proof of other car insurance or proof of new residence.
Can someone drive my car if they are not on my insurance Geico?
Some states require the car owner's insurance to cover any accidental damage, so if they're not insured or don't have the right coverage, as the driver you may end up being liable.
Can I remove my 18 year old from my car insurance?
Excluding your child as a driver
An easy way to remove your child from your car insurance policy is to list them as an excluded driver on your policy. You may be charged a fee for excluding a driver who lives in your home, but it would still cost less than insuring a young adult or teenage driver.
Can I take my 18 year old off my insurance?
If a parent's health insurance plan covers dependents, you usually can be added to their plan and stay on it until you turn 26.
Does insurance go down when child turns 18?
Will my rate drop when my teen turns 18 or 21? At Progressive, rates drop by an average of 8% when a driver turns 19 and another 6% at 21. As your teenager becomes more experienced and avoids tickets and accidents, the price for teen auto insurance should keep decreasing.