My Policy Parents Policy
Free Car Insurance Comparison
Secured with SHA-256 Encryption
UPDATED: Jul 19, 2021
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
If I get into an accident, do I have to use my policy or can I use my parent’s policy?
If you are a dependent or a minor, you can “ride” on your parents’ policy provided you are listed on their policy. This means you have the permission of your parents to drive their car and they are paying a slightly higher premium because your name is included in their auto insurance plan. On the other hand, if you are not listed and try to use your parents’ policy instead of your own, you could be liable for insurance fraud. The insured, your parents also become liable for insurance fraud if you do this so you can see that it can be very complicated.
In addition, if you have your own car insurance policy and you are a minor or dependent, you need to have the signatures of your parents and/or guardian for the policy contract to be binding.
In another situation, if you are legally an adult but living in the same house with your parents you can also be listed under their car insurance policy. This is what insurance companies call “household” which refers to anyone living under the same roof.
Finally, if you are driving your parents’ car and you are listed under their policy, then you can use their policy. But if you are driving your own car, it can get complicated since the car insurance policy will indicate which vehicle is insured under that policy.
car insurance price compare