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Do I need to add my son, 18, to my car insurance policy if he lives at home and doesn't have a car?
I recently got a phone call from my insurance company saying they would cancel my policy if I didn't add my teen to it. He's 18 and has a driver's license, but he doesn't have his own car. He also doesn't drive my car. Do I actually need to add him to my policy?
Eric Schad · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Yes. Many insurers require parents to
add teenage children to their car insurance policy
if they have driver’s licenses or permits—even if they don’t have a car. The assumption is that anyone in your household with a license could drive your car when it’s available.You have a few options to consider:
- Ask about exclusions: Your car insurance company may offer the option to list your teen as anamed driver exclusionon your policy. This will exclude them from your vehicle’s coverage, meaning they legally won’t be able to drive your car under any circumstances, as the exclusion.
- Add your teen driver to your current policy: If an exclusion isn’t an option, you’ll have to add your teenager to your policy—which will undoubtedly cause your car insurance rates to increase.
- Shop for a new policy: You may be better off comparingcar insurance quotesfrom other providers to make sure you’re getting the best rate for your teen driver policy. TheJerryapp can help you narrow down your most competitive quotes from over 55 providers in less than a minute—and switch you over without ever leaving the app!
View full answer
- Gregory R.
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