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Yes, you can be on your parents’ car insurance if the car is in your name, depending on the insurance company and the state you live in. Plus, you need to share the same residence, and your parents may need to be listed as co-owners.
When You Can and Cannot Be on Your Parents' Car Insurance
| Situation | Can you be on your parents' insurance? |
| Your parents own your car and you live with them | Yes |
| Your parents own your car and you're away for college | Yes |
| You own your car and you live with your parents | You may be able to add your car on your parents’ policy |
| You own your car and moved out | No |
| Your parents own your car, but you moved out and keep the car at your home | No |
The bottom line is that depending on state and insurer, you may be able to add the car that you own to your parents’ insurance, if you live with them and the car is kept at their house.
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