How do you insure someone else’s car?

We got my daughter a car for her graduation. She’s heading off to college, and insurance is too expensive for her to handle on her own. Can we insure her car?

Answer
That’s great that you got your daughter a car! How nice of you!
Car insurance for young drivers can be very costly, especially if they are on their own policy. They are considered high-risk drivers and haven’t built up a record of car insurance coverage to prove they are responsible.
The good news is you should be able to add your daughter to your insurance policy, even if she is away at college.
As she will likely be using your home as her permanent address, this should be pretty easy to do. Even if she’s going to school out of state, most insurers will consider her permanent address for her insurance policy.
There may be more ways to save money by applying for discounts. Some discounts you may be eligible for include:
  • Multi-vehicle discounts
  • Student away at school discounts
  • Good grade discounts
If you need help finding the best policy for your family, shop for car insurance with Jerry. Jerry’s helpful team is always here to answer your questions and make sure you’re getting the best deals for your insurance needs.
Lauren Smith
Answered on Nov 11, 2021
Lauren has written for World Nomads, the Matador Network, Korvia Consulting, and once upon a time Three Fates Games. She graduated from Columbia College of Chicago with a BFA in Creative Writing. After graduating, she moved overseas and lived in South Korea where she spent her free time traveling and going on road trips with friends. She misses the rest stop potatoes and is trying to figure out how to recreate them at home. She's now based outside of Chicago and when she's not writing she spends her free time reading, playing video games, and exploring whenever she can.
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