Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy. The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver. If your teen or college student driver has a valid driver's license or permit, you must add them as a driver to your policy.
If your teen drives their car regularly, then you should add it to your policy. This may be necessary even if they are also insured under another auto policy, such as another parent's policy. Learn more about car insurance for teens. You can generally stay on your parents' car insurance policy as a registered driver if you live at home or if you're a full-time college student.
That means you're still covered when you drive your parents' vehicles. And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. However, if you're moving permanently, you'll usually need your own car insurance policy. If you or your spouse own a vehicle, you may decide to insure it with your own car insurance policy or with your parent's policy.
Depending on the state and the insurer, you may be able to add your car to your parents' insurance if you live with them and your car stays at home. This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation or exclusion that is expressly stated in any insurance policy. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence.
You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. When buying car insurance in Maryland, keep in mind that your state's minimum coverage requirements are, in fact, minimal coverage. Save when you bundle your home and auto insurance policies with new Progressive customers across the country who save by combining homes and cars, saving more than 20% on average. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person.
A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy. If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you.
An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience.