Can My Teenager Drive My Car Without Insurance?

June 10, 2024

From time to time, teenagers who have reached driving age use the family car for trips to school, practice, or other daily tasks. And there’s nothing wrong with it: your child has the right to drive if they have a valid driver’s license.

However, there might still be consequences depending on the policy’s conditions and state laws. Read on to learn everything you need to know about adding a teenager to car insurance, what rights they have, and more.

Do All Household Members Need to Be on Car Insurance?

Almost all insurance companies require policyholders to list every family member with a driver’s license on their car insurance policy. If any of them are involved in an accident while driving your car, your insurance will help cover the financial costs incurred by the incident.

What Happens if I Don’t Add My Teenager to My Car Insurance?

If an uninsured family member gets into an accident while driving your car, the insurance company will deny coverage. Likewise, they can increase your monthly premium or cancel the coverage altogether, not to mention there might be legal consequences.

Adding a teenager to your policy promptly is the best way to prevent these issues in the future and protect your financial and legal interests.

Studies show that drivers aged 16–19 have the highest involvement rate in accidents, including fatal ones:

Accident statistics in the USA by driver gender

Source: bmwlawgroup

Adding a teenager to car insurance allows you to avoid financial liability that may result from a car accident involving your teenage children. You will have peace of mind and be protected from unforeseen situations on the road and the associated financial burdens.

Can My Son Drive My Car Without Being on My Insurance?

Typically, insurance companies require you to list every licensed driver residing in your household and regularly using your car in the policy.

There are several cases when your child can drive a car if it is not included in the insurance:

  • Temporary driving: If your teen rarely uses your car, they may be covered as a temporary driver
  • Driving lessons with permission: Your child can drive your car for educational purposes under your supervision with a temporary driver’s license
  • Separate policy: With their own car and separate insurance policy, your teen may be able to borrow your car under their insurance

Do I Have to Add My Child to My Car Insurance if They Live Separately?

There are situations when a teenager lives in another state and only occasionally visits their parents. If you trust your teenager to drive the car, this is called “permitted use.” When someone outside your household is allowed to take your car, they also use your auto insurance while driving.

Can My Son Drive My Car With My Insurance?

The conditions may vary slightly among different insurance companies, but typically, the policy only covers occasional use by someone borrowing the car.

Whether a “permissive use” policy applies in your case depends on how often the teenage driver will be borrowing the car from the parents:

  • If the adult child, while staying with you for several months, uses the car several times a week, a “permissive use” policy is unlikely to apply.
  • If your children only use your car during short visits no more than twice a year, permissive use is necessary.

Obviously, paying monthly premiums to add a child to car insurance and living in peace is more profitable than eliminating the consequences of an irresponsible attitude toward auto insurance or the desire to save.

average car insurance cost for teens

Source: agilerates

Long story short, to minimize risks while your adult child is driving your car, you should ensure they have their own insurance or are listed on your policy.

Do I Need to Add My Child to My Car Insurance if They Don’t Have Their Own Insurance?

Adding your child to your car insurance policy is necessary in most cases. If your teenager has a driver’s license, lives with you, and uses your car registered at your address, they need to be included in your policy. This rule applies regardless of whether they have turned 18 or not. Every member of your family who has access to your vehicles should be listed on your car insurance policy.

When Should You Add a Child to Car Insurance, According to Insurance Rules?

Drivers who have not reached the age of majority do not have the right to independently sign insurance contracts because these documents have legal force.

At the same time, a 17-year-old can get car insurance in their name, as the law permits purchasing a car insurance policy in the name of a minor driver. However, this can only happen if one of the parents or guardians signs the insurance contract to guarantee financial responsibility.

Can I Add My Grandchild to My Auto Insurance?

Grandchildren who regularly use their grandparent’s car may need to be listed as drivers on the insurance policy. Their coverage will be secondary to yours in terms of importance. This means their use will only be possible after the resources of your policy are exhausted for claim settlements.

If your grandchild frequently visits you and regularly uses your car, it’s advisable to add them to your insurance plan beforehand. Remember that frequent car borrowing does not fall under “permitted use.”

Teenage is driving a car under the supervision of their parents

Do You Have to Add Your Child to Your Car Insurance if They Don’t Plan to Take Your Car?

Sometimes, the law allows an adult child with a driver’s license not to be included in the insurance. For instance, if your child possesses a driver’s license but does not anticipate using your car anytime soon, you will likely have the option to exclude them from your auto insurance policy. Your insurance company may require you to sign a form confirming that your child will not drive any of your vehicles.

However, if they later decide to use your car and are involved in an accident while driving, your insurer will refuse to cover you for the damages and may rightfully cancel the policy.

Get Your Free Auto Insurance Quote Online at CoverExplore

Whether you are choosing your first auto insurance or are about to add your family member to your policy, you can do it confidently at CoverExplore, connecting to the best-fitting auto insurance provider in minutes.

Get your auto insurance quote now. For questions, call 888-432-7716 or contact us at

Frequently Asked Questions

How much time do you have to add a new driver to your insurance policy?

Add a teenager to your insurance plan as soon as you are ready to entrust them with your car if they already have a driver’s license. If your child is preparing to become a driver, you have 60 days during which you are obligated to inform your insurance company about this circumstance.

What happens if I don’t add my child to my auto insurance?

The legislation allows a teenager to drive your car if they do not have their own insurance policy and are not listed on your auto insurance plan. However, any accident they get into while driving your car may not be covered, with the full burden of financial responsibility for the damage falling on you.

Can a 16-year-old get car insurance on their own?

Once a teenager turns 18, they can independently obtain car insurance. However, for individuals under 17, obtaining their own insurance requires a parent or guardian to sign the policy on their behalf. Minors are not legally permitted to sign contracts.

Do you need insurance with a learner’s permit in Florida?

Florida law mandates that drivers with a learner’s permit have insurance to obtain a driver’s license. For teenagers, parents can either add the teenager to their existing auto insurance policy or purchase separate car insurance for the teenager.

Victoria Berezhetska

Victoria Berezhetska is a Content Lead at and an expert contributor to CoverExplore. She has a Bachelor of Science degree in Business Administration, with extensive working experience as a PR specialist and content writer. At CoverExplore, she helps customers find the right educational material through easily digestible blog posts and buying guides backing their insurance coverage choice. Victoria covers diverse topics around digital and insurance marketing, including auto, home, health, and life insurance.

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