How old do you have to be to get your own car insurance?

April 6, 2017 · Posted in FAQ 
car insurance
Brandi asked:

I’m 16 and I recently started driving. I own my own car but I do not have insurance. My parents do not have insurance and my mom siad that for me to be covered she would have to get insurance on all the drivers in the house on all the vehicles. She said I could pay it I’d like but that it would be about $300 a month.

Is it possible for me to get MY OWN coverage and not have to pay for the rest of the family.

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8 Responses to “How old do you have to be to get your own car insurance?”

  1. Sylvia on April 15th, 2009 6:01 am

    yes, this is all very true….we have the same problem in our house…..

    got to be 18!!

    yes, its very expensive…but your parents can put you on there’s!!

    if you still live in her house and the address matches with yours….she got to pay the high premium anyway…so get together with hers…

    my Son pays 3000 dollars a year… alone!
    Miami Fl is very expensive…

  2. CarMan on April 18th, 2009 2:51 pm

    Your insurance cost will be MUCH LESS if your mom adds you to her policy.

  3. Nicole on April 18th, 2009 4:47 pm

    yes you are old enough to get insurance on your car.
    and no you do not have to be 18!
    I did the same thing as your mum said, but my brother already had it and I got a deal and only pay $70 a month and it was normally $150.
    You have to talk to every place and get the best deal, thats what i did!

  4. marcel m on April 21st, 2009 7:14 am

    look find a friend you can trust and can trust you too. that’s being driving for a long time to add you from s/he’s insurance.
    and it’s gonna cost you less price. you could do it at age 18 but it’s gonna cost you a lot of money and you don’t want that.
    just find that person and explain them your situations. that’s it

  5. erehwon on April 22nd, 2009 2:32 pm

    You can get your own insurance. I highly recommend you do. For one, it is illegal to drive a car with no insurance. Not to mention if you get in an accident you have no coverage to cover any damages. If you get your own policy you can begin to build a good driving record with the company and you will get cheaper rates over time. My parents got me my own policy when I started driving and it was one of the best things they did for me.

  6. :not_the_usual1 on April 23rd, 2009 8:23 am

    You need to be able to sign a contract, so 18yo is the min.

    And let your Mom know that SHE is financially responsible for you as a driver until you turn 18. If you are involved in an accident, Mom will get the bills and be dragged into court.

    Then start negotiating with her from there. Even if you had to split the bill 50/50 you’ll be way ahead – and safe and legal.

    It’s great that you want to be responsible – you should feel good about that!

  7. Sue on April 24th, 2009 8:34 pm

    You can get your own insurance & get it now. You only have to get insurance on the cars you own & if you only own one, then insure just one. If the car is in your name, your parents can’t insure it anyway, they can’t insure something they don’t own. Your parents need to get their own insurance ASAP because it is illegal & if they have an at fault accident, they will be paying all the damages to the other party out of their own pockets & that could take years to pay. You sound like a very responsible young person. Keep up the good work & you will go far in life.

  8. namrepus on April 27th, 2009 2:54 am

    Yes of course you can get your own car insurance for your car as your protection if ever accidents may happen. You dont need to worry on finding a cheap car insurance company. You can try to search it on the net for an online quotations. Visit a cheap car insurance site like this collect and evaluate the best cheap car insurance provider for your car.

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