Do I Have To Put My Child On My Car Insurance?

As a parent, you want to do everything possible to protect your child. And when it comes to car insurance, you may wonder if adding them as a driver on your policy is necessary or even required. In this blog post, we’ll explore whether or not you have to put your child on your car insurance and what factors may influence that decision. So buckle up and let’s dive in!

Do I Have To Put My Child On My Car Insurance?

If you have a child who is not a licensed driver, you will likely need to include them on your car insurance policy. Unless your state has an exemption for children under the age of 18, you will have to provide proof of insurance for your child when you renew your policy.

You may also be required to include a custody agreement with your car insurance policy in order for the insurer to cover your child while they’re driving. Make sure that you understand any restrictions that are placed on coverage and what specific documents are required in order to maintain coverage.

How Much Does Car Insurance Cost?

It’s not just adults who need car insurance. Children can also get into accidents, and may be required to have personal car insurance in order to receive coverage for any injuries they might suffer. In most cases, your child’s own car insurance will cover them if they are in a car accident with someone else’s vehicle. However, there may be circumstances where your child is not covered by their own policy. If this is the case, you’ll need to consult with your insurance company to see if your child needs to be on your policy as well.

There are a few things you should keep in mind when deciding whether or not to put your child on your car insurance policy:

 -Your child must be a licensed driver and under the age of 18 years old in order to be insured under their own policy.

 -You must provide proof of liability insurance for yourself and the child, including an official drivers license or birth certificate that lists the driver’s name and age.

 -Your child’s car must have full coverage – both property damage and bodily injury – in order to qualify for coverage under their own policy.

What If My Child Gets Hurt in a Accident?

If your child is injured in an accident, you may be wondering if you have to put them on your car insurance. The short answer is that the law varies depending on the state, but typically, it’s not compulsory to list children as drivers on your policy.

There are a few exceptions to this rule – usually if your child is over 16 years of age and can provide evidence that they have held a valid driver’s licence for at least one year. If you’re unsure whether listing your child as a driver on your policy is mandatory in your state, you can contact your car insurance company or speak to an insurance agent.


There is no one-size-fits-all answer to this question, as the decision of whether or not to put your child on your car insurance will vary depending on a number of factors, including the age and driving history of your child.

However, it is generally a good idea to take them along for protection in case of an accident. If you’re unsure whether putting your child on your policy is the right move for you, reach out to an insurance agent who can help you figure out what would be best for you and your family.