Car insurance rules don't change if you're an 18-year-old living at home, a 19-year-old college student, or an adult living with your parents. 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. Learn more about children who stay on their parents' car insurance. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
In addition, you can add any driver who lives at your permanent address, and most insurance companies will require it. Some states may allow you to exclude a driver from coverage under the policy. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence.
Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure your college student. If you plan to add or keep a college student in your policy, you must notify your car insurance company before your child moves in. You can change insurers at any time, even if you just renewed your policy with another insurance company. College students often get the best deal on car insurance and greater convenience when they stick with their parents' policy.
Some insurers also offer remote student discounts for college students who go to school and don't take a car. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. The main reason why car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident.
As a college student, you should stay on your parents' car insurance policy if you return home on weekends or during school holidays and drive your parents' cars. In most cases, college students can stay on their parents' car insurance when they go to school if you haven't moved permanently. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.