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You cannot be on your parents’ car insurance if the car is in your name and you are listed as the sole owner. Your parents can’t insure your car unless they are listed as owners. So if you are thinking about buying your own car, it is a good idea to ask for quotes from several insurance companies first. Your parents’ insurance company may not offer you the best rates when you’re alone on a policy.
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 | No |
| You own your car and moved out | No |
If you are not listed as the sole owner of the car, you might be able to get even cheaper insurance. Living in your parents’ home allows you to list them as the owners of the car you’re driving, in which case you can remain on their policy and save money.
Additionally, If you are a college student who uses your parents’ address as your permanent place of residence, and you drive a car owned by your parents, you can remain on their policy. If you do not bring that car to college with you, you might be able to qualify for additional discounts.
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read full answerWhat is the average cost of car insurance for a teenager?
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Average Cost of Car Insurance for Teenagers by Age
| Age | Average Annual Premium |
| $3,343 | |
| ... | $2,752 |
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