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How Long Can Kids Stay on Their Parents Auto Insurance Policy?

a female teen driver

Knowing when your child needs their own auto insurance policy.


Many young drivers get car insurance under their parents’ policy out of convenience and to save money. While this is a viable option for many, it’s important to know for how long can these kids remain on their parents’ policy. If you’re unsure, read on for more information.


  • Children can remain on their parents’ car insurance policy when residing at the same address

Residency is a significant factor for car insurance companies. When people live together, they can often bundle their insurance policies. Generally, most car insurance companies will allow parents and children to remain on the same car insurance policy as long as they’re all living at the same address together. Even if your child goes away for college, he or she is most likely still a permanent resident of your home address.


  •  When children move out, they should have their own car insurance policy

With the exception of going to college, a child should have their own auto insurance coverage after moving out. If the child is no longer living at the same address as the parents, he or she should look for their own policy.


Generally, children can continue to be listed under their parents’ policy as long as they reside at the same address – regardless of age. Do you have more questions concerning your car insurance and when to take out your own policy? Contact Unisource Insurance Associates for help. Our dedicated team serves Milwaukee and the neighboring cities of Wisconsin. Contact us to get covered today.