D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

Full Bio →

Written by

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Sep 9, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about car insurance. Our goal is to be an objective, third-party resource for everything car insurance related. We update our site regularly, and all content is reviewed by car insurance experts.

Just the Basics

  • As passengers, your family members are always protected under your car insurance policy
  • Once your teen starts learning to drive, it’s important to review your options and decide if you’d like to add them to your policy
  • Teen drivers can raise your premiums, but discounts offered through many insurers can help negate the costs

When the time comes for your children to learn to drive, many parents wonder – is it bad if my child isn’t on my car insurance? The process of learning to drive can be very intimidating for parents and teens alike.

As a passenger, your children are always protected under your car insurance policy. Once they get their permit, it is a good idea to start researching car insurance options near you.

Review the main factors that affect the price of car insurance to get a good idea of what to expect.

You have the option to either add your child to your own car insurance policy or help them to secure their own. In the end, the choice is yours, and the best decision would be the one that suits your family’s needs. However, there are a few things to consider in the process.

Before learning more about if it is bad if your child isn’t on your car insurance, enter your ZIP code above to instantly compare car insurance rates near you for free.

Can my child drive my car if they are not on my insurance?

Starting when your child first gets their permit, they may be using your personal vehicle to practice driving. This is a very common practice for parents guiding their children through the rules of the road.

You may be wondering, can my son drive my car if he is not insured? Will my daughter be protected in an accident?

The answer is usually yes. Car insurance coverage typically extends to any driver who has been given permission to operate the vehicle. This is because car insurance applies to the vehicle itself, not the motorist behind the wheel.

For better understanding, review your car insurance policy’s omnibus clause. This clause states that any licensed family member who lives with you is able to operate your vehicle with your approval.

As for auto insurance for a child not living at home, they are typically also covered. The omnibus clause also applies to children away at school, such as in the case of college students.

This does mean that there are more repercussions for the owner of the car rather than the driver in the case of an accident.

Before your child begins to drive, be ready to talk about what they should do if something goes wrong. It’s vital to discuss accident preparedness.

When a teen with a learner’s permit is driving, there’s a few things you need to do:

  • A licensed adult over the age of 21 should be in the front passenger seat
  • The teen driver might not be able to drive after certain time of night
  • The teen driver must carry their learner’s permit with them whenever they drive

Depending on the state you live in, these requirements might be a little different, so it’s important to make sure you understand and follow any requirements for teen drivers.

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

Benefits and Discounts for Teen Drivers

Adding a teen to your own policy is cheaper than them getting their own, but it will likely raise your rates. Fortunately, there are options to lower these associated costs. Good grades can help teens cash in on great discounts through many insurance providers.

Having a 3.0 GPA or above can add savings of up to 25% on car insurance rates. Always check with your agent and review your policy for more information.

Another option would be to enroll your teen in a safe driving course. These programs help teach defensive driving techniques, and can be very beneficial for new and experienced drivers alike.

You can select a program from a local driving school or contact the National Safety Council for more offerings within your state.

The best way to save money on your car insurance rates, even when adding a teen, is through comparing your options.

Now that you know more about if it is bad if your child isn’t on your car insurance, enter your ZIP code below to instantly compare teen car insurance rates near you.