How do you get your child off your car insurance?

Asked by: Cathryn Torphy  |  Last update: July 1, 2025
Score: 4.3/5 (70 votes)

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.

How to remove a child from an auto insurance policy?

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 remove my child from my insurance at any time?

Most plans will allow you to unenroll completely or partially at any point. The thing is, you won't be able to reenroll in the plan until the open enrollment period or a qualifying life event occurs. So before you unenroll, you need to have the other insurance lined up.

How long can a child remain on parents' car insurance?

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.

How Expensive Should My Teenager's Car Be?

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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.

How do I get off of my parents' car insurance?

First, make sure you have your new independent car insurance policy set up. Once you've done that, you'll need to communicate with your parents' insurance provider to cancel their coverage. You'll likely need to provide proof of your new coverage to both your parents' insurance provider and your own.

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 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.

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.

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 do I switch from my parents' car insurance to my own?

Steps to switch car insurance from parents
  1. Step #1: If required, retitle the vehicle in your name. ...
  2. Step #2: Choose how much protection you require. ...
  3. Step #3: Look around and compare prices from other businesses. ...
  4. Step #4: If you no longer reside with your parents, ask them to drop you from their insurance coverage.

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.

How do I get off my parents insurance?

If you're covered by a parent's job-based plan, your coverage usually ends when you turn 26. But check with the employer or plan. Some states and plans have different rules. If you're on a parent's Marketplace plan, you can remain covered through December 31 of the year you turn 26 (or the age permitted in your state).

What is the difference between excluded driver and removed driver?

Excluding a driver means the person still lives in your house, but they are specifically not covered if they drive the car. The insurance company knows about this person and has agreed not to cover them. Removing a driver means the person doesn't live in your house anymore and is completely off the policy.

Can someone drive my car if they are not on my insurance Progressive?

While there are exceptions, car insurance generally follows the car and not the driver. 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.

Can I remove my adult child from my insurance?

A: An eligible child that is single or married can remain on your health plan until age 26. At age 26, they must enroll in a health plan through their job, their spouse's job or through an individual health plan.

What age do your parents stop paying for your insurance?

You lose your parents' health insurance in California when you turn 26. If you've aged off your parents' health plan, you may wonder what options you have.

Can I stay on my parents' car insurance after 26?

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 is not insured?

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.

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).

Do I need to put my 15 year old on my car insurance?

In others, insurance coverage is required even for teen drivers who have a learner's permit. In California, teen drivers are automatically covered under their parent/guardian's insurance once they obtain a learner's permit, so no action is required until a teen gets a driver's license.

Can I exclude my child from my car insurance?

Generally you can't remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don't want him to impact your rate, but that means he will not be covered to drive any of the vehicles you currently insure.

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.

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”.