Do newly permitted drivers need to be listed on their parents' insurance?

I am 16 in NY and just got my learner's permit. Do my parents have to put me on their insurance or am I already covered to drive their car?

Answer provided by
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Shannon Martin
Answered on Apr 13, 2021
“Most insurance companies require anyone of driving age in the household to be listed on the policy, even if they do not have a permit or a license.
Suppose something were to happen while you are behind the wheel, even if it is not your fault, and you are not listed on the policy. In that case, the insurance company could potentially deny coverage or refuse to renew the policy at the next renewal date.
While living with your parents, being included under their liability coverage will protect the whole family’s future finances.”
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