Do I have to live with my parents to be on their car insurance?
Asked by: Ahmed Harris | Last update: August 14, 2025Score: 4.9/5 (35 votes)
Can I be on my parents' insurance and not live with them?
Moving out of your parents house has nothing to do with you being on their health insurance. If you are covered on their policy, you will be covered no matter where you live - unless you are moving out of the state. You will not be taken off the policy, unless your parents tell the insurance company to take you off.
Can I be on my parents' car insurance if I live out of 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.
Can I put my child on my car insurance if they dont live with me?
Even adult children away at school are considered part of the household & need to be listed because insurance policies automatically cover all licensed drivers in the household if they do not have their own vehicle, own insurance. Unless the child moves out & is no longer financially dependent on the parent.
Can you have a different address on car insurance?
The short answer: yes, your insurance policy, your driver's license as well as your vehicle registration should all have the same (current) address. Let's explore the reasons why you should get this done quickly after a move.
Why I'm Getting Life Insurance for My Parents | First Gen Money
Do you have to live at the same address to share car insurance?
What if they don't live with me? 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.
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.
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.
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 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.
Can you have someone on your car insurance that does not live with you?
Insuring drivers who don't live in your home
Your car insurance coverage isn't limited to drivers listed on your policy. The coverage can be extended to individuals who occasionally use your vehicle and don't live in your home.
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.
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.
Do you have to live with your parents to get their insurance?
No, living in your parent's home is not a requirement for eligibility to be covered as a dependent under their policy.
Do you have to live at the same address for health insurance?
All health insurance is sold based on your residential address. You can have only one residential address listed with Social Security at a time and must live there at least six months out of each year.
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.
Does your insurance go up if your child gets their license?
Once your child gets a license, you have 60 days by law to inform your insurance carrier. In most cases, because an insurance carrier will see a new driver as a greater risk, your insurance premium will increase, sometimes significantly (up to 60% for a two-car family).
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.
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.
Do you have to live at the same address for car insurance?
Some states require all eligible drivers who live at the same location where a vehicle is registered to be included in the policy. Some insurance providers may consider excluding household members from their coverage if they never intend to drive the vehicle, but this will vary depending on the specific provider.
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 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.
What happens if I lie to my car insurance?
If you lie to your insurance company, the consequences can be severe, potentially leading to claim denial, policy cancellation, increased premiums, and even criminal charges for insurance fraud, depending on the extent of the lie and your location.
Is it illegal to use an old address?
Yes, using someone else's address or someone using your address is illegal. This type of fraud is known as address fraud and manifests in various guises such as brushing scams and rental scams.