Can my mom put me on her car insurance if she lives in Ohio and I live in Kentucky?

I'm 19 and just got my first car. My mom wants to put me on her car insurance policy. The problem is that she lives in Ohio and I'm a resident of Kentucky. Is this legal or will it cause problems?

Answer
“First off, your mother can’t put you on her car insurance policy unless she’s on the car title. If her name isn’t on the title, you’re the one that has to insure the vehicle.
Next, when you say you’re a resident of Kentucky, do you live there now, or are you just going to college there and usually live with your mom otherwise? If your situation is the latter and her name is on the title, she can certainly add you to her car insurance without any issues.
If you bought the car, chances are you’re the only one who’s on the title. Since it’s your first car, make sure to shop around to get the best rates possible.
If your mom is offering to buy your insurance, she’ll just have to give you the money each month to pay. It’s not a big deal; just another step in the process.
If you’re looking for new insurance, Jerry can provide you with competitive quotes in under a minute.”
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Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
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