Should I Add My Child To My Auto Insurance?

In the past, adding a child to an auto insurance policy was a matter of course. With other options out there, adding your child to your own policy isn’t the only way.There are advantages and disadvantages to adding your child to your policy.

The other options are to get your son or daughter their very own auto insurance policy. Pricing this out and taking a look at all the answers to these questions will help you make this informed decision.

Factors To Consider When Thinking About Adding Child To Your Car Insurance If your child is under 18 years of age, they may not be able to get their own auto insurance. I spent a significant amount of time trying to find an auto insurance quote online and couldn’t find anyone who would give me a quote for a 16 year old.

Other Things To Think About When Deciding On Car Insurance

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.They should have good grades, no traffic citations, and a clean driving record in order to qualify for the best rates.

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. If you have two adult drivers and three cars and your child is added to your policy, they become a primary driver.

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

If My Child Ownes Their Own Car, Can They Be on My Insurance?

In my state, if the child owns their own car and it’s registered under their name, they must have their own insurance. They cannot be added to their parent’s insurance policy.


a) You can save money if you qualify for a multi-car discount (b) The amount of money that your auto insurance premium increases for having a teen driver on your policy might still be less than them having their own policy.

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