When should you remove your children from your car insurance?
Asked by: Dr. Dillon Purdy Sr. | Last update: August 28, 2025Score: 4.2/5 (72 votes)
When should you take your child off your car insurance?
If your child has recently purchased their own vehicle, you should also consider removing them from your policy. If they are listed as the registered owner of the car, the majority of companies will require them to have the vehicle covered by their own policy, where they are listed as the main insured.
How long can children stay 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.
When can you remove a child from your insurance?
The Affordable Care Act requires plans and issuers that offer dependent child coverage to make the coverage available until a child reaches the age of 26. Both married and unmarried children qualify for this coverage. This rule applies to all plans in the individual market and to all employer plans.
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.
Should I Remove My Son From My Car Insurance? | The Law and You | Fellerman & Ciarimboli
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.
Should I put my 18 year old's car in my name?
Register the car in your child's name.
If your son or daughter is legally an adult (18 years or older), he or she is able to register a car in his or her own name. Without you as the owner of the car, the laws imposing vicarious liability (such as New York Vehicle and Traffic Law Section 388) will not apply to you.
Can my daughter drive my car if she is 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 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.
Can your parents take you off their insurance before 26?
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.
Do my parents have to put me on their car insurance?
To have the ability to be covered by a vehicle insurance policy you must be added as an additional driver to the vehicle owners policy.
Do you get kicked off your parents car insurance at a certain age?
There is no age limit that prevents you from staying on your parents' car insurance policy as a listed driver, as long as you live at home or if you're a full-time college student.
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.
When can you no longer be on your parents' car insurance?
Key Takeaways: You can stay on your parent's auto insurance as long as you reside at the address and use the vehicles listed on their policy (although many companies will let you even if you own your own car).
Do you have to put your 15 year old on your 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.
Does car insurance go down after 18?
Insurers typically charge higher premiums for drivers younger than 25, according to the Insurance Information Institute (III). But, as teen drivers get older, rates typically drop — as long as they maintain a good driving record, the III says.
When to remove a child from auto 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.
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.
Does removing someone from insurance make it cheaper?
Yes, removing a driver from your auto policy might reduce your rate, especially if the driver has a history of insurance claims and accidents.
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.
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.
How does insurance work if you borrow a car?
Generally, insurance coverage follows the vehicle rather than the driver. So in most instances, as long as the owner of the car has insurance, it's covered even if someone other than the owner is driving it — as long as they have the owner's permission.
Am I liable for my child's car accident?
States such as Florida and California hold parents or guardians liable for the damages their minor children cause through negligence while driving. This liability is accepted by the parent when signing their minor child's license or permit application.
Can I let my nephew drive my car?
Most of the time, as long as you gave a driver permission to borrow your car, it's likely not a problem for them to drive your car, even if they're not on your car insurance policy.
Does it matter whose name is on a car title?
The simplest way to prove ownership of a car is to show you're listed on the car title as a current owner — and it will be difficult or impossible to prove ownership if you're not listed on the title. To add or remove someone from the title, find out the correct process from your state's BMV or DMV.