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How old must you be to get your own car insurance?
I'm going to be moving out of my parents’ house at the end of next year. How old do you have to be to get your own car insurance?
Carlos Kirby · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Per most state law, the minimum age requirement for owning car insurance is 17 years old. However, such states will still require official documentation, such as written permission from a parent, to approve a policy for a young driver.
In some states, any driver who is 17 will need to have a parent listed on the car’s insurance card, registration, and title.
On the other hand, a few states only state a minimum age for owning a car. From there, it is up to each insurer to determine when a teen can take out a policy without a parental cosigner.
Know that having your own insurance policy as someone under 25 is costly. 17-year-old drivers may pay $5000 or more each year for car insurance, and these high rates don’t decrease until you hit your mid-twenties.
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