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How long can you stay on your parents’ car insurance?



There are the exciting parts of growing up: buying your first car, furnishing an apartment to your specific style, and the moment when the waiter doesn’t curate you. Then there’s the not-so-exciting part: the realization of how expensive the world is when your parents stop footing the bill. I’ll have my parents’ phone plan as long as they have me, but when it comes to other “grown-up” expenses, like insurance, you’re probably wondering how long you have before you get fired.

If your parents have Erie Insurance for their home or auto needs, you may be pleasantly surprised to find that you can keep that coverage, whether you stay on their auto insurance a little longer or simply stick with the same independent ERIE agent, to help you with your insurance needs.

Can a 26-year-old be on their parents̵
7; car insurance?

As your resident 25-year-old who works in insurance, the good news (at least for us) is that unlike health insurance, there is no age limit that prevents someone from staying on mom or dad’s insurance. But when you move permanently and change address or buy your own vehicle, you need your own insurance.

Do I need my own insurance when I go to college?

If you bring your car to campus, whether it’s a few hours or states away from home, you can stay on your parents’ auto policy as long as you don’t permanently move to your college town. But if you plan to make your college town your new home, see the next question.

Can I stay on my parents’ car insurance if I move?

Short answer: no. If you move into an apartment or buy your own home, and have your own vehicle, you must have a new insurance under your name. The plus side? You can combine that auto policy with your home or renter’s insurance for extra savings.

What if I live at home?

There’s no shame in saving some dough and living with your parents, and an added bonus is that you can stay on their car policy.

Is it cheaper to stay on your parents’ insurance?

There are many factors that go into determining your car insurance rates, such as your car’s safety rating, your individual driving history and your age. Sometimes following your parents’ policy means you may have access to some of their discounts, such as a multi-car or multi-insurance discount. However, that’s not to say you don’t have discounts to consider if you get your own policy. Learn more about ERIE’s affordable car insurance and quality coverage options.

Do I need my own insurance when I buy a new car?

Depending on which state you live in, you may need to have both the car’s registration and car insurance under the same name. In this way, it is easier for the insurance companies to process a claim. If you are still insured under your parents’ policy, the name of each driver should be listed on that policy. But if you plan to buy a new car – and only buy it in your name – you’ll also need to get your own insurance.

Can I drive my parents’ car, or vice versa, if I’m not on their policy?

The answer to the question is yes, sometimes. If you regularly drive your parents’ (or even a friend’s) vehicle, it’s important to let their insurance agent know so they can add your name to their policy. But if you only borrow it occasionally, ERIE’s policies cover some drivers when they’re out on the road. Read more about insurance coverage when you lend your car.

Do I need renters insurance if I live with my parents?

The owner of the home – your parent – ​​should have homeowner’s insurance to cover the cost of property damage from an accident. That coverage is based on what your agent and parents agreed was the fair value of their home (or the future market value).

What to do if you need your own car insurance

Do your homework, get some quotes, and talk to your local Erie insurance agent to get the right auto insurance that fits your needs.

ERIE® insurance products and services are provided by one or more of the following insurers: Erie Insurance Exchange, Erie Insurance Company, Erie Insurance Property & Casualty Company, Flagship City Insurance Company and Erie Family Life Insurance Company (home office: Erie, Pennsylvania) or Erie Insurance Company of New York (home office: Rochester, New York). The companies within the Erie Insurance Group are not licensed to do business in all states. See the company’s licensing and business information.

The insurance products and rates, if applicable, described in this blog are effective as of July 2022 and are subject to change at any time.

Insurance products are subject to conditions and exclusions not described in this blog. The policy contains the specific details of coverage, terms, conditions and exclusions.

The insurance products and services described in this blog are not offered in all states. ERIE life insurance and annuity products are not available in New York. ERIE Medicare supplement products are not available in the District of Columbia or New York. ERIE long-term care products are not available in the District of Columbia and New York.

Eligibility will be determined at the time of application based on applicable underwriting guidelines and rules in effect at that time.

Your ERIE agent can offer you practical guidance and answer any questions you may have before you buy.


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