How long will I have to keep my child on my insurance policy?

When can I remove my child from my insurance policy? I was forced to add my son to our insurance policy when he was 19 due to the bad accident he caused with the family car. This was three years ago and he is still making the cost of my insurance incredibly high!

Answer
“There isn’t an age cap when it comes to auto insurance. Your son can be listed on your insurance policy indefinitely. Since he was force added to your policy, he can only be removed under certain circumstances:
  • if he has his own car
  • if he moved out of your house
  • if he never drives the family car

Does your son have his own car?

If so, have him get a quote for new car insurance online. Once he has a separate policy, your carrier will allow him to be removed from yours.

Does your son live at home?

If he has moved and has a permanent residence elsewhere, your carrier may allow him to be removed once proof of address is submitted.

Does your son still drive the family car?

If he lives at home, does not have his own car and insurance, and no longer drives any vehicles on your policy, you may be able to list him as an excluded driver.
An excluded driver would be listed by name in your policy as someone who is not a covered driver on any of the cars listed on the policy. Any accident an excluded driver causes will be denied by the carrier.”
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Shannon Martin
Answered on Jul 12, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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