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What is the minimum age to get car insurance?
The minimum age to purchase car insurance is typically 18 years old. However, many states allow drivers to get car insurance at a younger age if they have a valid driver's license and/or are under the supervision of an adult who already has auto insurance coverage.Skip to article
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Prachi Singh
Contributing Writer
Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
The minimum age to obtain car insurance differs based on state laws and insurance company guidelines.
In general, one must be an adult (18 or older) to obtain an insurance policy. If you are younger than 18 and a minor, then state laws and insurance companies guidelines will require you to have a parent or guardian sign on legal documents, such as an insurance policy, with you.
You can buy an auto insurance policy if you are old enough to have a driver’s license or own a car. Still, if you are a minor, your parent or guardian will usually have to sign the insurance contract with you. It may be in the driver’s and the parent’s best interest to have the teen driver on the parent’s policy. Read our parent’s guide to insurance for teen drivers to find out if this is your best option.
If you are minor and what to own and insure a vehicle you should check with your state’s Department of Motor Vehicles and insurance regulator to see if there is a minimum age set and what extra measures you may need to take until you become 18 and considered an adult.
— Michelle Megna contributed to this story.
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Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.
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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.