You can generally stay on your parents' car insurance policy as a registered driver if you live at home or if you're a full-time college student. That means you're still covered when you drive your parents' vehicles. And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. However, if you're moving permanently, you'll usually need your own car insurance policy.
New drivers always need car insurance, even while they're learning to drive. The minimum insurance requirements in your state apply to everyone who operates a vehicle, even if they only have one permit. If your teen driver has their learner's permit and plans to start driving, make sure they have car insurance, whether you add it to your policy or buy your own. If you just obtained your learner's permit but have already purchased your own vehicle, you can buy your own car insurance policy just like any licensed driver.
Depending on the state, you'll get a discount for all full-time college students on your Progressive car insurance policy if they're 22 years old or younger and enrolled in an educational institution that's more than 100 miles from home. That means that your insurance will cover your medical bills regardless of who caused the car accident. For college students from other states, some states and insurers may require a separate auto insurance policy. If you share a permanent address or if your car usually spends the night at your parents' house, you can continue to share a car insurance policy regardless of your age.
If you or your spouse own a vehicle, you may decide to insure it with your own car insurance policy or with your parent's policy. For example, depending on the school's zip code, taking out a separate car insurance policy for the student may result in more affordable rates, but that could make it more difficult to share the car when the student is at home. Each state sets its own minimum insurance requirements, but the correct amount of car insurance for your authorized driver depends on your vehicle and your situation. Most licensed drivers should be eligible for coverage under their parents' existing auto insurance policy.