Can my parents insure my car if I live with them?
Asked by: Rosa Swaniawski | Last update: May 23, 2025Score: 4.5/5 (17 votes)
Can I have my own car insurance if I live with my parents?
You can have your own insurance policy while living at your parent's house, but you should still be listed as an excluded driver on their policy.
Can I stay on my parents' car insurance if I live in a different state?
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.
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.
How long can I stay on my parents' car insurance?
Age Considerations
You can typically stay on your parents' car insurance policy until age 24 if you're a full-time college student. For males, standard adult rates may not apply until age 25, while females often receive adult rates at 21.
How Should I Handle Car Insurance for My Teenage Driver?
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.
Can I stay on my parents' insurance after moving out?
Yes, you are eligible to be covered on your parent's plan up to age 26 regardless of where you live. However, your parent's health plan probably has a network of participating providers and it may be difficult for you to find in-network care when you are living in another state.
Can I insure my son's car if he lives somewhere else?
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.
Does it matter whose name is on the car?
Yes, the name on a car title can impact insurance coverage. Insurance companies usually require the policyholder to have an insurable interest in the vehicle, meaning they either own the car or have a significant financial interest in it.
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.
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.
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 insure my son's car if he owns it?
You cannot typically obtain insurance for a vehicle not registered in your name, but there are ways to ensure you're still covered behind the wheel. Whether you're driving a friend or family member's car or have been gifted a vehicle under another person's ownership, it's the legal owner's responsibility to insure it.
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 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 you put your parents on your insurance if they live with you?
Beginning in 2023, a new state law allows adult children to add their dependent parent or stepparent to their health plan policy, as long as the dependent parent or stepparent is not eligible for or enrolled in Medicare and they live in the health plan's service area.
Does the owner of a vehicle need to be on the insurance policy?
For the most part, car insurance policies cover vehicles that are owned by the person who owns the policy. There are exceptions, however, in which someone can get a policy for a car they do not own. For the most part, car insurance policies cover vehicles that are owned by the person who owns the policy.
Should I put my sons car in his name or mine?
Register the car in your child's name.
Generally and statistically speaking, college students are more likely than other types of drivers to get into car accidents. Recognizing this, insurance carriers may very well charge more to insure your son or daughter.
Can my husband take my car away if it's in his name?
If you purchased your vehicle after you got married, it is part of the marital estate and subject to division. This means that even if your vehicle is titled in your name alone, your spouse will have the same rights to the vehicle as you do.
Can my parents insure my car if I don't live with them?
Can I stay on my parent's car insurance if I move out? No. You must buy your own car insurance policy if your primary residence has permanently changed.
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.
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 I be on my parents car insurance if I live at a different address?
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 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.
Can I remove my son from my car insurance when he goes to college Progressive?
You can remove a listed driver from your car insurance policy if they no longer live with you and no longer drive your vehicle. If you have a child away at college or who moves out temporarily, it's a good idea to keep them on your policy. Doing so ensures that they can drive your vehicle during breaks.