Why is getting a policy of my own so much more expensive than being a driver on another policy?

I was previously listed as a driver on my mom's insurance. Now she says I have to get my own insurance because I moved out. My new policy is over $1,300 for six months! Why is this so expensive?

Answer
“There could be a number of factors impacting your rate, but one thing that stands out is that perhaps your new insurance company is not giving you credit for having had continuous coverage under your mom’s policy.
Every company will view this differently and underwrite this differently when determining your rate, so it may have no impact, but it is worth looking into.
The best thing you can do moving forward is to maintain a safe driving record and keep current insurance in your name. If you do this, your rate should decrease over time.
In the meantime, gather car insurance quotes online to make sure you are getting the lowest rate.
If you’d rather leave the hard work of gathering quotes to someone else, use Jerry. This free app can collect quotes from up to 45 top insurance companies in seconds!”
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Shannon Martin
Answered on Apr 26, 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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