How Long Can A Child Stay On Auto Insurance? 
Car insurance works differently than health insurance . There is no magical age or employment status that drives your children 's ability to ` be on ' your auto policy . If your child owns their own vehicle , then really that becomes the point at which they should have their own policy . To complicate things , if they still live with you then they must be listed as a driver on your policy as well -LRB- you would also have to be listed as a driver on their policy -RRB- . If they have moved out of the nest and do not have a vehicle , they can still be listed as a driver if they are regularly furnished one of your vehicles . This may help them when the time comes that they are purchasing their own policy in showing continuous coverage . So in summation , if they are living in your household or regularly furnished a vehicle then they must be listed as a driver . If they own their own vehicle then they should have their own policy . Speak with your broker to make sure this is the case in your state . 