Why do I have to have car insurance in Michigan if I don’t drive? "

I live in Michigan with my parents and my driver’s license is registered to their address. I don't drive. My parents tried to remove me from their insurance to save money, but they were told that I would have to buy my own insurance instead. I can't afford insurance!

Answer
“It is pretty much standard practice for car insurance companies to require all licensed drivers living under the same roof to be listed on a policy together or have their own policy.
The reason for this is obvious, though it may not seem fair. Insurance companies are used to being lied to and will not take anyone’s word for it that they will not drive an insured car.
If your parents are looking to save money on their car insurance, instead of removing you from their policy, they should start shopping around for better rates. They can find cheap car insurance by getting quotes themselves, or they can use the free Jerry app to receive affordable quotes in seconds. “
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Johnny Puckett
Answered on Jun 21, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
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