11 Responses for "Do I Need Car Insurance to drive my parents car?"

1. justin bieber February 4th, 2010 at 4:50 am 1

   Best Answer – Chosen by Voters First of all, do you live with your parents, or if you are going to school, is your legal residence your parents' home? If you live (or are a legal resident) with your parents, you would need to be added to the policy. If you live elsewhere and are only driving the car during a visit home, you most likely would be covered driving their vehicle (unless there is an exclusion on their policy).The best thing would be for your parents to check with their insurance carrier or agent to be sure! Source(s): 28 years in the auto business

2. taylor swift February 4th, 2010 at 4:50 am 2

   By law, you need to have car insurance or are covered on your parent's car insurance. They need to at least add you on their policy.

3. taylor lautner February 4th, 2010 at 4:50 am 3

   I also live in Connecticut. If you live with your parents you must be listed as a driver on their insurance. You don't "get your own insurance" if they own the car. You must be listed on their insurance if you live in a dorm (away from home) and use their car. If you pay rent (not to your parents) or own a home by yourself, you may use their car without being listed on their insurance. Want the best advice? Ask your insurance agent.

4. Vanessa Hudgens February 4th, 2010 at 4:50 am 4

   Depends on the wording of their policy. If you're under 21 then in all likelihood you need to be added.

5. lady gaga February 4th, 2010 at 4:50 am 5

   If you are a licensed minor and living at home, you should be added to their insurance. If you are living on your own and use their car infrequently and with permission, you are covered and there is no need to be on their insurance policy.

6. selena gomez February 4th, 2010 at 4:50 am 6

   In some insurances you might be covered if they did not exclude you… so check with there insurance and see the exclusion only counts if you live with them if you dont then the only one i know of is aaa will cover you…

7. justin bieber February 4th, 2010 at 4:50 am 7

   You have to be listed as a driver on the policy.

8. justin bieber February 4th, 2010 at 4:50 am 8

   no, don't tell the rip off companies that your driving. when i trained for my license, we didn't do that, and nothing happend to us. dont listen to anybodys bs about getting the "insurance" they do nothing but scratch themsleves and steal your money. Source(s): i had to deal with "insurance" companies alot. they are not out to help you. they only want your money.

9. miley cyrus February 4th, 2010 at 4:50 am 9

   Im from Florida, so I'm not sure of the law there, but here if you have your learners permit you can drive their car with them in it without being insured, but to drive any car on your own you must be included on the policy.

10. Vanessa Hudgens February 4th, 2010 at 4:50 am 10

    You have to be a listed driver on their policy. Source(s): agent, 21+ years

11. Vanessa Hudgens February 4th, 2010 at 4:50 am 11

    They either have to add you to their policy, or you need to get your own.