Anamarie Waite, Car Insurance Writer
You can stay on your parents’ car insurance indefinitely as long as you still live with them or go to school full-time. There is no age limit for how long you can be covered by your parents’ auto insurance policy, unlike health insurance. You will need to get your own car insurance policy when you no longer live at home and register your car in your own name. Insurance companies only allow cars titled in the policyholder’s name to be added to their policy.
Can you stay on your parents’ car insurance if you move out?
If you’re moving out to go to school and your parents are still helping to pay for your housing, food, tuition, and other costs of living while you’re away, the insurance company still considers you a dependent member of the household. Even if you are moving out of state and taking one of the family cars with you, you shouldn’t have trouble staying on your parents’ policy as long as your family home is listed as your permanent address.
When you get your own place and list your new address as your permanent residence, you’ll need to get your own policy.
Can you stay on your parents’ car insurance after marriage?
No, you will need to get a new insurance policy with your spouse. Even if you are still living at home with your parents after marriage, the insurance company will almost certainly require you to have a separate policy with your spouse. All licensed members of the household should be listed as drivers on each other’s policies, though. If you’re living with your parents after marriage, it will still be assumed you have regular access to their cars.
Overall, you should plan to get your own insurance policy when you move out, get married, and/or register a car in your own name.
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