Can I get my own car insurance at 16?

My parents won't add me to their car insurance yet. I just got my license, so could I get insurance myself?

Answer provided by
Emily Maracle
Answered on Jun 17, 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.
“If the vehicle you drive is registered to you, you are able to get your own car insurance. However if you’re driving a vehicle owned by your parents, you won’t be able to get your own policy.
As a new driver, car insurance can be extremely expensive. Your parents may be waiting until you begin driving regularly or get your own vehicle to add you to their insurance.”

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