Can You Be On Your Parents Car Insurance If You Don’t Live With Them?

When you get your driver’s license, you may be surprised to learn that you are not automatically covered if you don’t live with your parents. In fact, some states even have laws that allow young adults to get their own car insurance. However, this doesn’t mean that you’re on your own when it comes to your car. In this blog post, we will take a look at the various ways you can protect yourself if you find yourself in an accident. From understanding your liability to buying insurance for the first time, read on to learn everything you need to know about car insurance for young adults.

How to be On Your Parents Car Insurance

If you don’t live with your parents, you may be wondering if you can be on their car insurance. The short answer is yes, but there are a few rules to follow.

First, make sure you are covered by your parent’s policy. If you aren’t, your parent may have to buy a separate policy for you.

Second, remember that your driving privileges may be impacted if you’re not legally insured. Most states have laws governing who is allowed to operate a vehicle without insurance, and usually this list includes only people who live with the driver or are wards of the state.

Finally, be sure to inform your parents of any changes in your driving status so they can adjust their coverage accordingly.

What If You Don’t Live With Your Parents?

The short answer is yes. If you are over 18 and have a valid driver’s license, you can be on your parent’s car insurance policy. There are a few stipulations that must be met though, such as being a licensed driver and having liability coverage. 
If you don’t meet all of the requirements, but you are under the legal driving age in your state, then you may be able to get an endorsement for your parent’s policy. This endorsement will cover your driving privileges and will increase the insurance coverage on their car.

What to Do if You’re Declared Missing or Uninsured

If you’re missing or uninsured, your parents may be able to add you to their car insurance policy.

Your parents may be able to add you as a secondary driver if you don’t have your own driver’s license or if your license is suspended. If you’re added as a secondary driver, your parents must notify the insurance company within 48 hours of adding you and provide proof of liability insurance.


It can be tough to make the decision to move out of your parents’ home, but one thing you definitely don’t want to do is jeopardize your car insurance. If you’re not living with your parents, it’s important to determine whether or not you are still on their policy. The best way to find out is to contact them and ask. If you’re not sure about whether or not you are on their policy, it’s always a good idea to get quotes from several different companies so that you have a better understanding of what each option would cost.