Should I Add My Child To My Auto Insurance?

There are advantages and disadvantages to adding your child to your policy that you should consider before jumping in feet first. I’ll tell you what those are so that you can decide for yourself whether or not this is the right decision for your family to consider adding a teen driver to your policy.

Good Debt vs Bad Debt

 If your child lives with you and drives under your supervision then adding them to your policy will likely be less expensive than getting an individual policy for them as long as it doesn’t increase the cost significantly.

Good Debt vs Bad Debt

Factor To Consider When Thinking About Adding Child To Your Car Insurancee

Depending on your child’s age, adding him or her to your auto insurance will affect their rates as well when they are ready to get their own individual plan.

Other Things To Think About When Deciding On Car Insurance

This depends on how many drivers and how many cars you have. If you have two adult drivers and two cars, your child will be listed as a secondary driver.

Should I Add My Child As A Primary or Secondary Driver?

You can save money if you qualify for a multi-car discount

Advantage of my Child Owning a Car

You can save money if you qualify for a multi-car discount

Your car insurance rates will go up and if your child is not contributing to the price increase (or doesn’t have a job) you will have to absorb that increase.


There are no additional discounts to adding a child to your insurance policy.

As a parent, it can be hard to make decisions that are best for your child. But in the case of car insurance, you may want to add them on as an additional driver or policyholder and insisting they pay the difference in price.


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