Can you be on your parents car insurance if you live out of state?
Asked by: Mr. Tyshawn O'Kon | Last update: May 6, 2025Score: 5/5 (3 votes)
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.
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 you add someone to your insurance if they live in a different state?
Restrictions and Requirements to Add a Non-resident to Your Auto Insurance Plan. Adding a non-resident to your auto insurance comes with different conditions and limitations depending on the insurance provider. Typically, the non-resident must possess a current driver's license and be permitted to drive in the nation.
Can you be on your parents' car insurance after you move 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.
Auto Insurance Claims Process: Not-At-Fault Accident
Can I be on my parents car insurance with a different address?
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.
Can I stay on parents insurance if I move out?
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 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 you have car insurance in a state you don't live in?
Your car insurance policy will cover you for temporary trips out of state. But for long-term stays, you may need to update your policy. In general, you should buy car insurance in the state where you spend most of your time. You can't live in one state and buy car insurance in another.
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 you be on your parents insurance if you dont live at home?
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.
Do you have to live at the same address for car insurance?
Great question. The short answer: yes, your insurance policy, your driver's license as well as your vehicle registration should all have the same (current) address.
Is it illegal to be on your parents' car insurance?
In most instances, you will be allowed to be on your parents' car insurance policy if you live with them. This even applies if you are married: as long as you and your spouse live in your parents' household, it's possible to be added to their car insurance policy.
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.
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.
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 keep my insurance if I move out of state?
When you move out of state, you'll need a new car insurance policy, even if you can stay with the same insurer. Your insurance company will cancel your old policy because every state has different coverage requirements and regulations.
Is it illegal to have out of state car insurance?
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.
Is it illegal to live in your car in any state?
In California, sleeping in your car at rest stops for up to 24 hours is legal. However, you should always park the vehicle in the designated parking place, though no camping or tent pitching is allowed.
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.
Why does car insurance need to know who you live with?
For example, the insurer should know that your roommate may need to drive your vehicle if you have an emergency and cannot drive yourself to the hospital. If the person is listed on your policy and is involved in an accident, the insurance company will have to honor the claim.
Can someone who doesn't live with me drive my car?
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.
Can I use my parents insurance if I live out of state?
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 be on my parents car insurance if I live somewhere else?
Car insurance is sold per household. 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.
Can I insure my son if he doesn't live with me?
Adding a driver who doesn't live with you gets complicated and often depends on your insurer and state insurance laws. A common exception to this rule is that insurers will allow adult children to remain on their parents' auto insurance policy when they go off to college and take a family car.