PriceProtect™
DriveShield™
GarageGuard™
Services
Insurance
Car Insurance
Compare Car Insurance with Jerry
Jerry’s Expert Advice
Car Insurance Estimates
Home & Renters Insurance
Renters Insurance
Loans
Car Loan
Compare Car Loans with Jerry
Jerry's Expert Advice
Car Loan Guides
Repairs
Car Repair Estimates
Repair Estimates for Popular Services
Advice
Read Car Content
Browse Jerry Car Advice
Check Out Expert Car QnA
Learn About How We Create Content
Jerry Data & Research
How much does it cost to get insured on your parents’ car insurance?
I’m 18 years old, and I just bought my first car. I’ve been saving up for years for my vehicle, but now I’m worried that insurance might cost too much for me to cover on my own. How much would it cost to get insured on my parents’ policy?
Chloe Jenkins · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Congratulations on your first car! Shopping for car insurance for the first time as a young driver can definitely be a daunting experience, and it’s a smart call to consider being added to your parents’ policy: although the cost to be insured on your parents’ car insurance can vary, teen drivers added to their parents’ policy tend to save thousands when compared to young drivers with their own policies.
Compared to the
average cost of full coverage
, younger drivers generally pay more than double. This is because the young driver demographic (ages 16 to 24) makes up a majority of new and inexperienced drivers on the road—in other words, drivers that constitute the most risk. The easiest and least expensive way for a young driver to be insured is by joining their parents’ policy, and some insurance companies even offer good student discounts for honor roll students, which can save you extra!When being added to your parents’ policy, be sure to have all relevant information on hand. Your parents will need your driver’s license number and information about your car, such as the make, model, year, and Vehicle Identification Number (VIN). Before your parents agree to any policy changes, they should know how much both maximum and minimum coverage for you will cost, and they should ask about any available discounts.
All this being said, it is always worth shopping around for insurance quotes to make sure you (or your parents) are getting the best deal possible. To do this easily, check out the
Jerry
app—we’ll get you customized quotes from over 50 competitive insurance companies in seconds, so that all you need to do is pick the best deal on the coverage you need. And once you’ve picked one, we’ll even help you sign up or your parents switch over! This way, you can make sure you’re getting the lowest rate possible in just minutes.Congrats again, and enjoy your new ride!
View full answer
- Gregory R.
WHY YOU CAN TRUST JERRY
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.
Join 4M+ members in lowering their car insurance
You Might Also Be Interested
Read Advice From Car Experts At Jerry
What Others Are Asking
Browse More Content
Insurance for Your Car
Insurance in Your State
Easiest way to compare and buy car insurance
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies
