No Age Limit: But Living Situation Matters
There’s no specific age limit that kicks you off your parents' car insurance. As long as you live at home or you're a full-time college student, you can usually stay on their policy and be covered while driving their vehicles.
However, the moment you move out permanently, your eligibility to remain on their policy usually ends.
What If I Don't Live With My Parents?
In most cases, if you don’t live at the same address as your parents, you’ll need your own policy, even if they still own the car you're driving.
That’s because most insurance companies require that all vehicles on a policy be kept at the same address listed on the policy.
Still Living With Your Parents?
If you live with your parents and drive their car, you're generally allowed to stay on their insurance without issue. Even if you own a vehicle that’s titled and registered in your name, you might still be able to include it on your parents' policy (depending on the insurer).
In Texas, anyone living in the household who drives should typically be listed on the auto insurance policy.
Married and Still Living at Home?
If you're married and living with your parents, you and your spouse may be allowed to stay on your parents' policy, especially if you’re driving their vehicles.
If either of you owns your own vehicle, you may have the option to either get your own insurance or, depending on the insurer, add that vehicle to your parents’ policy.
Is It Cheaper to Stay on a Parent's Policy?
Yes, in most cases. Younger drivers, especially teens and those in their early 20s, tend to pay more for auto insurance on their own due to higher risk.
Staying on a parent’s policy can often lower your total cost since you're sharing coverage under a more established policyholder.
Still, it’s a smart idea to get a quote on your own so you can compare.
Do Parents Have to List You?
If you live with your parents and you’re a licensed driver, most insurers will require that you're listed on their policy, especially if you drive their vehicles regularly.
Not listing a household driver can result in claim issues or denial if an accident occurs.
Driving a Parents' Car Occassionally?
If you don’t live with your parents but occasionally borrow their car for a weekend or visit, you don’t typically need to be listed as a driver on their policy.
Their coverage should still apply, but it’s best to check with their insurance company to be sure.
What If My Parents Are Divorced?
If you split your time between both parents' homes and drive their vehicles, you should be listed on both insurance policies.
If you live full-time with one parent and only drive their car, you just need to be listed on their policy.
If you live with one parent but primarily drive the other’s car, check with both insurers to find the best solution.
Moving Out for College?
Many Texas insurers allow students to stay on their parents' policy while attending college, even if the student lives on campus or in a dorm.
If you bring one of your parents’ vehicles with you to school, it can often remain on their policy, too.
However, if you get your own apartment and register your own vehicle at that address, you'll likely need your own policy.
Need Help Getting Auto Insurance?
In Texas, staying on your parents' auto insurance depends more on where you live than how old you are. Living under the same roof usually means you can remain on their policy. Once you move out permanently or begin supporting yourself, it’s time to get your own car insurance.
Whether you're living at home or moving out on your own, our team can help you compare rates and find the right policy for your situation.
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