Eventually, the time comes for chicks to leave the nest. When children leave home, it often goes through several phases. Kids turn 18, graduate from high school, and may go off to college, but their parents are still providing support in many ways. At what age does a child need his or her own auto insurance policy? That depends on where your child is living and whether he or she is still your dependent.
There is no set age or time limit dictating how long your child can remain on your car insurance. As long as he or she is a dependent, your child can remain on your policy. The requirements may vary from provider to provider, but, generally, the rules are:
A child going off to college may reside for the greater part of the year in a dorm, or a fraternity or sorority house, or share an apartment or house off-campus with other students. But your home is still your child’s permanent residence while he or she is attending college, and that qualifies your child to remain on your car insurance policy.
Putting your teen or young adult driver on your auto insurance policy is a wise move for several reasons:
If you allow your child to drive any of your vehicles, he or she will need to be covered under your insurance. All residents of a household who are operating the same vehicle must be covered under a single auto insurance policy. As long as your child is a permanent resident of your household and you own the vehicle, in order to to legally drive it, he or she will need to be listed as a driver on your insurance policy for that vehicle.
If it is time for your child to purchase a separate auto insurance policy, we can help. We can assist you with the changes to your existing policy and help your child find the right car insurance coverage for the best available rates.