Typically, most insurance companies will allow you to remain on your parent's auto insurance policy as long as you live under your parent's roof and you do not own your own vehicle. Some insurance companies will allow you to remain on your parent's policy if you are away at college as well.

It is usually an insurance company that decided what its guidelines are concerning insuring the child of their policyholder. So you can request this information from your parent's insurance provider. The state is normally not involved in setting age limits for this type of thing but to find out if New Jersey has a law governing an age limit for a child to be listed on a parent's auto insurance policy, contact the NJ Department of Banking and Insurance.