At what point do I need to get my own insurance policy?

Is there a requirement that I get my own car insurance by a certain age? I am 23 years old and currently still live with my dad. I have my own car, but I am still using his insurance.

Answer provided by
Shannon Martin
Answered on Jul 09, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“You can be listed on your father’s policy as long as you live in the same household. There isn’t an age limit when it comes to car insurance. Once you move into your own place, it will be time to secure a new policy.
While there are many benefits to sharing a policy with your dad, like the multi-car discount, there are advantages to starting your own policy as well. Insurance history is a rating factor, and the sooner you start a policy, the sooner you can begin building history.
When you are ready to start a policy, the Jerry app is a good place to begin. Jerry will shop prices with over 45+ plus carriers and re-shop your policy at every renewal to make sure you always have the best rate.”

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