FAQ

How to add your child to car insurance

Adding a new teen driver to your auto insurance policy may come as a bit of a surprise, but it’s crucial to protecting your family’s finances. Fortunately, there are a couple of things you can do to help with the jump to premium. Here’s everything you need to know about adding a newly licensed driver in your household to your auto insurance policy.

Do I have to add my child to my car insurance?

If your child has a driver’s license, lives at home, and drives a car that’s registered to your home, you’ll need to add it to your auto insurance policy. This will be the case regardless of her age, as anyone living in her household with access to her cars will need to be a driver listed on her auto insurance.

Reading: How to add your child to car insurance

However, if your child has their driver’s license but doesn’t plan to drive in the foreseeable future, you can choose to formally exclude them from your auto insurance policy. You may need to sign a form with her insurance company to confirm that your son will not be driving any of her cars. if they get behind the well and have an accident, your car insurance company won’t cover the damage. Once you and your child decide that you will return to driving, you can contact your insurance company to list your child as a driver on your policy again.

benefits of adding your child to your car insurance policy

While you’ll likely see a premium increase when you add your child to your policy, there are also benefits. Some common advantages of adding your child as a driver on your car insurance policy are:

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