Children too young to have their learner’s permit or driver’s license are automatically covered under your car insurance policy and don’t need to be listed. Children with their learner’s permit (sometimes called “student drivers” by auto insurance companies) or their driver’s license should be listed as active drivers on your policy to make sure they are properly covered under your car insurance. However, different car insurance companies have different rules regarding how to cover teenage drivers who have a learner’s permit or driver’s license.
Some insurance companies require parents to list student drivers as soon as they get their learner’s permit, while others only require you to add a child if they have an active driver’s license. Some will cover young people who are learning to drive even if you don’t list them on your policy, but only when you are in the car with them. Others require that teenage drivers are listed on a parent’s car insurance policy even if the teen lives with another parent or legal guardian.
Regardless of the rules your auto insurance provider follows, you can expect an increase in your premium once you add coverage for a teenager or young adult (under age 25) to your policy. Inexperienced drivers are always considered riskier in the eyes of auto insurance companies.
Adult children who don’t live with you but use your car from time to time are covered under your car insurance policy through what’s called “permissive use.” This extends at least some of your auto insurance coverage to other licensed drivers not named on your policy who drive your vehicle every now and then, such as children who are out of the house, friends and caretakers.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines
. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.