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When Do Children Get Kicked Off Their Parents’ Auto Insurance?

teen driver in driver's seat, how long can kids stay on parents' auto insurance

When Do Children Get Kicked Off Their Parents’ Auto Insurance?

How long can children remain on their parents’ car insurance policy?

Usually, teens start out on their parents’ auto insurance policy because this is the cheapest, more convenient coverage option.  However, when do young drivers need to secure their own policies?  Here is what you need to know about kids remaining on their parents’ auto insurance in Orange, California.

  • Residency Requirements

Where you live is the most important factor for auto insurance companies who cover multiple drivers on the same policy.  Usually, car insurers will allow parents and children to remain on the same policy as long as they all reside at the same address.  This means that many insurance companies will let children stay on their parents’ policy as long as they still live at home.

  • Moving Out

Once you officially move out of your parents’ home, you are legally required to secure your own auto insurance policy.  Prior to your move, make sure you secure your own policy and inform your parents’ auto insurance provider so they can remove you from their coverage.  Please note that attempting to remain on your parents’ policy by lying about your address is an act of fraud.  Should the insurance company find out about this, then you risk being denied claims coverage and having the policy canceled altogether.  So, if you do not want to affect your parents’ coverage, then be upfront about your changing living situation.

This is what you need to know about staying on your parents’ auto policy.  Do you have additional questions about your auto insurance in Orange, California?  If so, then contact the experts at Remland Insurance.  We are ready to assist you with all your insurance needs today.


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