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You should be able to get car insurance at age 16...which is the earliest age in most states when you can legally drive an automobile. If you are living with your parents, and they have current coverage, it is best to title the vehicle in their name so you can take advantage of many available discounts.
When you are older and have built up some driving experience, you can always consider purchasing a policy in your name.
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When you are older and have built up some driving experience, you can always consider purchasing a policy in your name.