My daughter is graduating from high school and will soon turn 18.
She is living at home and won't be attending college. Is
there a certain age at which she must come off my car insurance
Congratulations on your daughter's graduation. There is no certain
age at which a child must be taken off your car insurance policy,
as long as he or she is
living at home
. Unlike other types of insurance policies, such as health
insurance that allows a child to stay on until they turn 26, there
is not a cutoff age for auto insurance.
If your adult child has a driver's license and is living in your
home, then normally your car insurance company will actually
mandate that she is listed on your policy -- whether she is 18, 26
People living in your household have access to the insured
vehicles, so insurance providers want all licensed household
members placed on your car insurance policy. This allows your auto
insurance company to look at all drivers' risk factors and
calculate your car insurance rates
If your daughter obtains and titles a vehicle in her own name
while living at home, then she may need to obtain her own policy on
it, separate from yours since you won't have an
in her vehicle to place it on your policy, something most auto
insurance companies require.
Having her own policy would usually be more expensive than her
remaining on yours, so while she stays at home she can save money
by continuing to drive your cars and be on your auto insurance
If, though, your daughter gets her own vehicle and car insurance
policy, you can see about taking her off of your policy to lower
your car insurance premium. With some insurance companies, you'd
her from your policy to take her off of it while she remains living
in your home.
Excluding a driver from your policy means that your car
insurance coverages won't extend to them if they operate your
vehicle. So, if your daughter was excluded but drove your car and
crashed you both could be held personally responsible for the
damages she caused.
If you are receiving a good student discount for your daughter,
that will end soon because she is no longer attending school. This
may make it the right time to shop around and make sure you are
getting the cheapest car insurance rates possible.
Insurance companies have different rating systems and discounts,
so by shopping around you may be able to save money, even while
continuing to insure your young driver on your policy. (See "Save
$1,102 by just shopping around")