Does My Parent’s Car Insurance Automatically Cover Me as a Teen?
Although there’s some variation between providers and policies, your parent’s car insurance typically does not cover you automatically, assuming you live in the same household. You will either need to join your parent’s insurance policy or get car insurance of your own.
Can I Drive My Parent’s Car If I’m Not on Their Insurance?
If you’re not listed on your parent’s car insurance, there are two ways you can be covered when driving their car:
- You live in the same household: If you live in the same household and drive your parent’s car regularly, you’ll need them to name you on their insurance policy to be covered.
- You live separately: If you don’t live with them and only borrow their car occasionally, you’re likely covered while driving it, thanks to a concept known as permissive use. Most car insurance policies cover permissive users or drivers who the policyholder or policyholders have given permission to use a car.1 For example, if someone lends their car to a friend while theirs is in the shop and the friend gets in an accident, they’re likely covered as a permissive user.
Review your parent’s insurance policy together since different insurers may have different exceptions to who qualifies as a permissive user. Certain insurance policies may not cover young or inexperienced drivers as permissive users.
How Long Can I Be on My Parent’s Car Insurance?
Unlike health insurance coverage, which can cover dependent children only up to age 26, there’s no age limit on using your parent’s insurance. Rather than age, auto insurance is based on household — that is, family members who live at the same primary residence.
In other words, as long as you live with your parents, you can stay on their insurance. You can even stay on their insurance if you get married, provided you continue to live together. If your spouse moves in, they could join as a household member as well with insurance for the whole family.
When You Can Be on Your Parent’s Car Insurance
- Your parents own or lease the car you drive and you live with them.
- You co-own a car with your parents.
- You’re a college student who drives your parent’s car when you’re back home, though your parent’s address must still be your primary residence.
- You move out of your parent’s home but live at a property that they own or rent to you.
When You Can Not Be on Your Parent’s Car Insurance
- You don’t live with your parents or at a property that they own or rent for you.
- You live with your parents but you own or lease your own car.
- Your parents own or lease your car, but you don’t live with them, in which case, you’ll need nonowner car insurance.