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Teen Auto Insurance Rules

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I just turned 16 and got my driver’s license. Do my parent’s have to add me to their policy if I drive one of their cars that already has insurance?

Teen driver insurance can be very pricey, so I understand why you want to avoid paying high dollar for insurance if you don’t have to. Unfortunately the answer is yes, since you live in your parent’s household, your parents are usually required by the insurance company to add you to their policy even if the car you are driving already has insurance. In most cases, people are allowed to drive other people’s cars while being covered under their insurance, but this is not the case for people living in the same household.

Let’s say you are driving your parent’s car without being on the insurance and you get in to an accident. The insurance company will probably come back to you and say that they will not cover you because you were not on the policy and you live together. I believe that this is a rule set by the insurance companies, not by the state. I would call your parent’s insurance company just to make sure what their rules are regarding your situation. You might find an insurance company that doesn’t require you to be added to your parent’s insurance, but I highly doubt it.

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