How old do you have to be to get your own car insurance?
Call Us Toll Free: 1-855-430-7753
Go To Top
Get Personalized Car Insurance Quotes
Age
Currently Insured?

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


Age restrictions for buying car insurance depend on each state's insurance laws. To learn about the insurance laws that affect you, click on your state on our page for state car insurance rates.

For general guidance regarding insuring a young driver, read our guide on car insurance for young drivers.

Unless there is state law that imposes a minimum age there is not normally a minimum age at which to get car insurance coverage. If you have a driver's license you should be able to obtain car insurance to cover your needs, however if you are a minor, under the age of 18, you may need to have a parent or guardian sign on the car insurance policy with you since it is a legal contract.

So a 16 or 17 year old normally can get car insurance for a motor vehicle however since they are a minor a parent or guardian typically will be required to sign on the policy with the teen. If you live with your parents and are a minor that does not own a car than to get your car insurance needs covered you would usually be placed on your parent's policy as a driver which there is not an age limit to do as long as you have your permit or license.

In general one must be an adult to obtain an insurance policy on their own, so 18 years of age or older. If you are under 18, and thus still considered a minor, then normally 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.

State laws vary on the minimum age to own a car so in some states a minor must have a parent be on the title and registration with them for the car and then also on the car insurance policy with them. While other states just impose a minimum age to be the sole owner of a car then leave it up to the insurance company to put in place any requirement for a parent or guardian to also sign on the car insurance policy of a minor.

For instance in South Carolina your must only be seventeen (17) years of age before you can have sole ownership of a car. In Ohio their Bureau of Motor Vehicles (BMV) states if you are under 18 and want to title a vehicle, your parent or legal guardian must complete a minor consent form. A parent or legal guardian must also accompany you when you appear in front of the Clerk of Courts title office staff to have a vehicle titled in your name in Ohio if you are a minor.

If you are a minor and want 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 to register and insure a car until you become 18 and are considered an adult.


Comments

Tell us your thoughts

Leave a Comment
 
 
 

0 Responses to "How old do you have to be to get your own car insurance?"
Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.