How Long Should My Kid Stay on My Auto Insurance Policy?

teen driver

When to drop your child from car insurance coverage.


If you have a child who is a driver, you may be wondering how long you should keep him/her on your auto insurance policy. Perhaps they’re about to head off to college or going to move across town into their own apartment.


There’s no certain age at which a child must be taken off your car insurance policy, as long as he or she is living at the family home with you. Unlike other types of insurance policies, such as health insurance that allows a child to stay on until they turn 26, there is not a cut-off age for auto insurance.


Residency is the key


When deciding if a child can remain on his/her parents’ auto insurance policy, insurance agencies look first at the place of residency. If parents and children live together, they can be insured together. College students are a separate group with special coverage concerns. Insurance companies tend to agree that kids in college can remain on your auto insurance policy as long as they are a dependent relative. Generally, if your child is away at college but still lives at home during their break, they can be insured on your auto policy.


Moving out matters


When a child moves away from home – not counting going away to college – he/she must set up their own auto insurance policy. The same applies for when a child gets married. If the child buys their own car and registers it in their own name, he/she will need their own separate coverage.


Do you more questions regarding your car insurance policy? Work with a team that will protect you and your vehicle – Contact the team at Gee-Schussler Insurance Agency. We serve Orland Park and surrounding cities in Illinois.