Yes. You can drop your child from your car insurance policy, but it may not be as easy as you think. There is no age limit for keeping a child covered on a parent’s auto insurance policy, and insurance providers are usually wary of dropping a child from their parents’ policy as long as the child still lives with a parent. Children living at home have reasonable access to their parents’ vehicles and thus pose a risk in the eyes of auto insurance companies. Once your child moves out on their own, however, you can drop them as an active driver on your policy, whether they get their own auto insurance coverage or not, because they’re not considered part of your household anymore.
The quickest way to drop your child from your car insurance is to exclude them as a driver on your policy altogether, which means they would never be able to drive your vehicle. However, not all auto insurance providers allow their customers to exclude drivers, or at least active drivers who live under the same roof, and some charge a fee to do so.
Fortunately, there are several circumstances in which you could be able to drop your child from your car insurance and enjoy the benefits of cheaper coverage, but still let them drive your car occasionally. You can find these situations listed below.
When You Can Drop Your Child From Your Car Insurance
- They move out of your house (you may have to provide proof of a new address to your insurer)
- They buy a vehicle of their own and get their own auto insurance policy, whether they live at home with you or not (be prepared to provide proof of a new insurance policy in their name to your insurer)
- They get married
- They buy a home
Keep in mind that the circumstances for dropping your child from your car insurance policy will vary depending on your insurance provider and personal situation. So, make sure to check with your auto insurance company about what options you have.
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