Can I drive my parents' car with them as passengers, even if I'm not on their policy?

"They would be in the vehicle with me. They don't want to add me to the policy until I've had more experience and will be driving alone."

Answer provided by
Emily Maracle
Answered on Jul 27, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
“Whether you need to be listed on your parents’ car insurance policy will depend on their insurance company and where you live. In some states, your parents are able to sign a consent form stating they are liable for any accidents you get into.
As car insurance typically follows the vehicle and a parent will be driving with you, you would likely be covered in an accident. However, every insurance company is different.
Since you live in the same household as your parents and are driving, their insurance company may require that you be listed on the policy.
If you’re concerned about coverage, you should talk with your parents. They’ll be able to explain what’s covered on their policy and whether they’ve filed a consent form with the DMV.”

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