How Long Can a Child Stay on Parents’ Car Insurance in PA?

There are no official state laws — and no age necessity — that governs how retentive a child can stay on their parent ’ mho car insurance. so, whether your child is 16 or 61, they can remain on your cable car insurance, provided they live at home and meet other factors .
At Unruh Insurance, we ’ re a lead car insurance representation in PA. not alone do we write competitively-priced indemnity policies, but we ’ re besides here to help you make feel of every type of policy. today, we ’ ra answering one of the most common policy questions : “How long can a child stay on parent’s car insurance?”
There are numerous situations, factors, and scenarios that can cause you to need discriminate car policy for your kids who live at home. Everything from their repel record to whose name is on the car title can play a function. Learn more about how hanker a child can stay on their parents ’ cable car insurance — and why getting them a separate plan up front is a chic decision .

Official Rules of Auto Insurance for a Child Living at Home

The most important thing to know about auto insurance for a child living at home is that state law doesn’t govern it — the rules of your specific insurance policy do. The only legal necessity is that they purchase car insurance if they own a car, the same as any other driver.

Learn about the penalties for driving without policy in PA .

There is no specific historic period that stipulates when your child has to have their own car policy plan, but there are respective other things that can occur which necessitates them needing their own plan. Since it varies slightly based on the policy supplier, these are just general guidelines — to get information specific to you and your policy, check with your current indemnity customer service agent .
In some cases, a soon as a car style is registered in your child ’ randomness diagnose, they must have a standalone cable car policy plan. however, if you are a co-owner of the cable car, they can remain on your indemnity design. once again, though, this international relations and security network ’ t the case for every insurance ship’s company, but it is a park rehearse .
One factor that limits how long a child can stay on their parents ’ car policy is their drive record. Since new drivers tend to be more accident prone than long-established drivers, policy providers pay careful attention to this. If your child gets in several accidents or has multiple infractions, the indemnity ship’s company may remove them from the class plan .
Learn the most common reasons your cable car indemnity rates go up.

last, vitamin a soon as a child moves out of the house, they need to have disjoined car insurance coverage, as they will no long be eligible under the family plan. The one exception to this is when your child goes aside for college, as most policy plans treat this as though they still live at home .

Key Reasons to Get Them Their Own Insurance Plan

While there is no limit to how long a child can stay on their parents ’ car indemnity plan, getting them discriminate coverage can be a bright fiscal choice. The two independent reasons for this are :

1. It protects the family insurance rates — Like we mentioned earlier, young drivers are statistically more likely to be involved in fender benders and other accidents. If everyone in the family is on the same insurance plan, everyone’s auto insurance rates can skyrocket.
2. It helps them get a good price — If you encourage your child to get their own policy right away, they’ll get a better rate since their record will be clean. If you wait until they have an accident or two while on family coverage, they’ll struggle to find coverage at a decent price point.

Pro-tip : arsenic soon as they are licensed, they are ready for their own plan. Learn more about the numerous benefits that can come with getting a discriminate policy policy for a adolescent driver .

Get a Free Quote from Unruh Insurance

now you have the suffice to the big wonder, “ how long can a child stay on rear ’ s car indemnity ? ” — and if you need a quotation mark on a policy for you, your family, or your child, you ’ re in the right place.

Unruh Insurance is a Pennsylvania car insurance agency and is one of the largest Erie indemnity agents in the submit. We believe in combining invincible indemnity coverage with a personal relationship with our means .
If you think you ’ rhenium paying besides a lot for your cable car insurance —or you want to get a separate plan for one or more of your children— liaison us today for a rid quote !