How long can your child stay on your car insurance?

My kid is about to go to college and they're still on my car insurance. How long can they stay on my insurance, legally speaking?

Legally, your child can stay on your insurance for as long as you want—just so long as they’re living at home.
While other types of insurance require your child to get their own policy at a specified age, auto insurance is more flexible. Since car insurance is always more expensive for people under 25, it will likely be cost-effective for them to stay on your policy until they turn at least 25.
If you’d like to save money on their policy, see if they’re eligible for a good student discount or any other student savings.
It can be expensive to include extra drivers on your car insurance policy. To make sure you’re getting the best rate for the coverage you need, try Jerry. A licensed broker, the Jerry app can help you compare personalized quotes from over 50 top providers like Progressive and Nationwide for free. When you find a better plan, Jerry can help you buy your new coverage and even help cancel your old policy!
Liz Jenson
Answered on Nov 18, 2021

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