No. If you live with your parents and they own your car, you can be added to their existing policy. Most insurance companies require that all licensed drivers in the household be either listed on or excluded from the vehicle’s insurance policy. That’s because auto insurance generally follows the car, not the driver.

Do I have to add my child to my car insurance in Massachusetts?

First, in the state of MA, a driver is only required to be added once a driver’s license is issued. You are not required to add your son or daughter when they get their permit. The Massachusetts auto policy requires that all household members be listed on your policy.

Do you need car insurance if you have a learner’s permit?

If you have a learner’s permit, you need to be covered under a car insurance policy. But in many cases, a person learning to drive does not need to apply for a car insurance policy on their own. Specific car insurance for a learner’s permit is not necessary.

Do you have to list your parents on your car insurance?

In most cases, a parent that lives with you should have their own car and their own insurance so there is no need to list them on yours. However, if they no longer have a car and use yours on a regular basis you would need to put them on your policy. If you fail to add them to your policy and your parent wrecks your car, the claim could be denied.

How old do you have to be to be on your parents insurance?

Talk to your parents once you’ve got your driver’s license to figure out how you’ll handle insurance costs. There’s no age limit for being on a parent’s car insurance policy. There’s no need for your own policy if you don’t own the car. Rates may be lower if you stay on your parents’ policy.

Can you be on your parents auto insurance if your away at college?

If your permanent address is your parents’ house, even if you’re away at college, you can stay on your parents’ policy as long as your name isn’t on the title of the car you drive. There is no age limit as to how long you can stay on their policy, and it is probably easier all around if you are listed on their policy.