How Long Can Children stay On Parents Auto Insurance?
1365 POINTSview profileRobert Attala LUTCF, PFPAgency Owner, A1 Insurance LLC, Arizona, California AgencyGreat Question. Kids can stay on the parents auto insurance policy till they leave the house and move on to college or get married. The advantage for that is the parent has all the discount offered by the insurance company like, home and auto discount and mulitple cars discount which can help lower the kids car insurance.Answered on October 17, 2013flag this answer
1370 POINTSview profileJack HellerOwner, Insurance Browser,Typically there is no maximum age for kids being on their parents policy in auto insurance. In fact as long as they are residents of the household and are licensed drivers, then it is appropriate for them to be on the auto policy. Talk to your agent about your situation.Answered on December 23, 2013flag this answer
7647 POINTSview profileMark Bartlett CLCSBranch Owner, TWFG Insurance Services, Fremont California and the Greater Bay Area Representing Dozens of Insurance CarriersAs long as the children are residents of the household the children can stay on the parents policy as long as you wish. Keep in mind the vehicles will in almost all cases need to be registered to the parents or both the parents and the children. If the vehicles are only in the kids names then the children will need to obtain their own policy. The question is how long do you wish to continue to provide insurance for the kids.Answered on December 24, 2013flag this answer
14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482From a contractual point of view, there really isn't any age limit. So long as your children remain residents of your home, and have access to and regularly use your cars, they need to be listed as rated drivers on your policy. Once they buy a car of their own and register it in their name, they would need to secure insurance of their own as well, at which point they can be removed from your policy. Check with your Insurance Professional about available discounts they might be entitled to if they ionsure their car with the same company as you.Answered on December 26, 2013flag this answer- 14231 POINTSview profileTom SheehanAgency Owner, The Thomas G Sheehan Agency, 27 Glen Road Sandy Hook, CT 06482Children can stay on their parent's auto policy, for the most part so long as they continue to reside with them in their parent's home and are driving one of their cars on a regular basis. If the child decides to purchase and register a car of their own, then they will need to have their own policy, at which point they would be removed from their parent's.Answered on May 23, 2014flag this answer
37376 POINTSview profileDavid G. Pipes, CLU®, RICP®Business Development Officer, T.D. McNeil Insurance Services, Fresno, CaliforniaThe answer to this question depends upon state law. In California all the drivers in the household, regardless of their age are included in the policy. The policy covers the car. The car is attached to a household. Unless excluded anyone in the household can operate any vehicle covered. In fact, anyone can operate any vehicle (provided that they have permission and are licensed drivers.)Answered on August 4, 2014flag this answer
21750 POINTSview profileJim WinklerCEO/Owner, Winkler Financial Group, Houston, TexasThat is a great question! Unless your State, or your insurance company has a rule stating otherwise, you can pretty much keep them on your policy until you are ready to boot them off. Most times they will need to get their own once they begin driving their own car, or have moved out or gotten married, and drive the spouses car. I hope that helps, thanks for asking!Answered on August 5, 2014flag this answer
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