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Q

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


A

If you want to get an auto insurance policy of your own in New Jersey without a parent or guardian signing on the auto insurance policy with you, since it is a contract, than normally you must be age 18 or older and thus no longer considered a minor.

In the state of New Jersey one must be at least 17 to register and title a vehicle in your name. Though you can have a car titled and registered in your name at seventeen in NJ it can be difficult as a minor getting car insurance for a vehicle in your own name without an adult signing on with you.

In New Jersey there is not a minimum age requirement for obtaining auto insurance if you have your license or permit, however if you are a minor, under age 18, you will normally need a parent or guardian to sign with you on any insurance paperwork since it is a legal binding document. An insurance company does not want to have a minor signing a contract, the insurance policy, without an adult.

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According to the Department of Banking and Insurance (DOBI), which is the insurance regulatory body for NJ, if you are a teenager it will most likely cost less for you as a young driver to be added to your parents' policy than to purchase your own. However, any driver with a car titled and registered in their name can purchase insurance.

If you are a minor and want to buy your own vehicle you should contact the NJ MVC to see what paperwork is required. If you are under 17 you would have to have an adult or guardian to title and register the car in New Jersey. And also until you are 18 and considered an adult most all insurance companies will also require that a parent or guardian sign on your insurance policy with you.

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