When Do My Kids Need Their Own Car Insurance Policy? 

As your children grow older and start driving, one important consideration is their car insurance.

The age and driving experience of your child play significant roles in deciding whether they need their own car insurance policy. Teen drivers can typically be added to your existing policy. This is often more cost-effective than having a separate policy.

Once your child reaches a certain age, usually 18 or 21, it might be time to consider a separate policy, especially if they are living independently.

Where your child lives can also impact their insurance needs. If your child still lives with you, they can typically stay on your policy. If they move to another state, they will need their own policy to meet local insurance requirements.

Financial Considerations

Adding your child to your policy can increase your premium, but it might still be cheaper than a separate policy. Your agent can help you understand your options.

A separate policy might be more expensive initially, but it can help your child build their own insurance history, potentially leading to lower rates in the future. Ask your agent how getting a separate auto insurance policy for your child could impact your overall costs.

Special Circumstances

Certain situations might make a separate policy necessary, including the following:

• High-risk drivers—If your child has a history of accidents or traffic violations, it might be better for them to have a separate policy to avoid increasing your premium.

• Special vehicles—If your child drives a high-value or specialty vehicle, a separate policy might provide appropriate protection.

• Insurer restrictions—Some insurers may decline to cover inexperienced or teenage drivers. Your agent will let you know if your family’s current insurance provider will allow you to add teen drivers to your policy.

Contact Us

Contact Servi-Express in Homewood, Alabama, for an auto insurance quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.