Can I stay on my parent's car insurance if I move to a different state?

If you move across state lines, you can stay on your parents' car insurance policy in several specific situations.

Can I stay on my parent's car insurance if I move to a different state?

You may be able to stay on your parent's policy if you move to a different state, but it depends on your specific situation.

When can you stay on your parent's auto insurance when you move to a different state?

There are two common situations where it's a good idea to stay on your parent's policy, even when you move states:

  1. You regularly drive their car. If you move just over the border and borrow their car a lot or you visit them frequently and drive, you should stay on their policy. This is because car insurance covers "permissive use" which means occasionally loaning someone your car but does not cover "regular use" for drivers not listed on the policy.
  2. You are temporarily living away from home and don't own a car. Since your parent's home is still your permanent address, you're a household resident and can stay on their policy. And you should if you ever drive since the policy will usually provide coverage if you rent or borrow a car.

When do you need to get off your parent's insurance policy if you move to another state?

  1. You've moved permanently. Once you have your own home, unless you're driving your parents' car frequently, you can't be on their policy. This is because you are no longer a household member. If you are buying your own car, check out our guide to car insurance for first-time car buyers. If you don't have a car, read more on why maintaining your insurance history can be a good idea, and our guide to non owner car insurance.
  2. You buy a car. In this case, you need to get your own policy, regardless of where you live.

If now's the right time, here's how to get off your parents policy.

This is general information based on questions our customers ask us. It may not be right for your specific situation. You should get some advice from a licensed insurance agent (like us!) before you make a decision on your own insurance.