If the title of your car is in your parents’ or guardians’ names, there’s no problem in being added to their auto insurance policy, possibly at a lower rate than if you had your own policy. But if the car is in your name, you won’t be able to do that.

Should I put my daughter on my car insurance?

No. You don’t have to add your child to your car insurance policy. As with any driver, it is always best to have the minimum state required insurance. Driving without any coverage is against the law and can come with some serious legal and financial ramifications.

What happens when my child gets his own car insurance?

If your kid has too many speeding tickets or accidents on your policy, it will have a negative impact on your insurance premium. When your kid gets off your policy and on their own, it protects your rates from their mistakes. The registered owner of the vehicle largely determines whether or not your child qualifies to be in your policy.

Can you exclude an adult child from auto insurance?

Most insurance policies allow you to specifically exclude certain people from coverage. If your adult child doesn’t live with you but has permission to use your car, she’ll automatically be covered under your policy. However, the amount of coverage she’ll get depends on the specifics of your policy.

What happens if my adult child drives my car?

If your adult child, or anyone else for that matter, drives your car, the driver is covered by your auto insurance policy.

When do you need to list your children on your car insurance?

For instance, if you have a son that is 16 but not yet licensed and so he doesn’t drive, they may require that you list him on the policy but will not rate him until he is licensed. If your children live with you and are licensed drivers, they would need to be listed on your policy so that they were properly covered.