Can you add a non-family member to your car insurance?

No, you cannot add someone who doesn’t live with you to your car insurance in most cases. College-aged students who aren’t living at home but still use their parents’ home as their permanent address are the biggest exception to this rule. But if your college-aged student has their own permanent address or … read full answerregisters the car in their own name, your child should get their own insurance.

In some cases, you may be able to add someone who doesn’t live with you to your auto insurance if they borrow your car regularly. For example, an elderly person might add a home healthcare worker to their policy because the aide frequently drives their car to help with regular errands.

Since car insurance follows the car, another driver borrowing your car should have the same coverage and limits as you would. But car insurance companies may deny the claim if they decide that driver should have been listed on your policy because they live with you or had regular access to the car. If you’re unsure whether you can add someone who doesn’t live with you to your policy, you should contact your insurance agent directly to confirm how they handle your unique situation.

Yes. You can stay on your parents’ car insurance if you move out, but only under certain circumstances, like if you’re off attending school, you’re an eligible dependent driving a car owned by your parents, or you live in another house your parents own. Auto insurance companies don’t impose an upper age limit for keeping a child on a parent’s policy, as long as customers adhere to the insurance company’s rules.Usually, children cannot stay on their parents’ car insurance if they move out of the house or reach what auto insurance companies call a “threshold of financial independence.” This is because auto insurance policies are sold in part by considering how many active drivers live in an insured customer’s household. Insurance companies may consider a child financially independent for a variety of reasons, such as only living with their parents part-time, getting married or buying a residence for themselves. Some auto insurance companies offer more flexibility than others, however, so it’s a good idea to check with your parents’ provider.… read full answer

When You Can Stay On Your Parents’ Car Insurance If You Move Out:

• You’re away at school and still list your parents' home address as your primary residence.
• You’re considered an eligible dependent (insurers have different definitions) and you still drive a vehicle owned and insured by a parent.
• You’re living in another house your parents rent or own.

For young adult drivers, it’s usually cheaper to stay on your parents’ insurance. However, if you move out, don’t lie about where you live in order to stay on your parents’ insurance policy, as it could be considered misrepresentation or fraud. If you need to file a claim and your insurance provider finds you live at a different address, they could deny it and cancel coverage for you and everyone else named on the policy. Finally, it's also important to note that if a child moves out and still drives their parents’ cars occasionally, they will be covered under what is called “permissive use.” In that scenario, they don’t need to stay on their parents’ car insurance policy. But if a child doesn’t have a car of their own and will be driving their parents’ car(s) regularly, the parents should keep them on their car insurance policy.