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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!
Shannon Martin · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“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.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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