When Should A Teenager Get Car Insurance? 
A teenager must be included in a car insurance policy as soon as they have a license . In California that usually means that they will be assigned to a vehicle in the household where they are living . To comply with state law each driver must be insured to operate a car . For a variety of reasons many young people do not get drivers licenses at the earliest possible age . I have seen drivers being added onto policies after age 20 . Some students pursue such rigorous academic studies that driving is not an option . The bad news is that in California it isnt your age when you start driving but the number of years experience you have as a driver that will determine the classification used on your automobile insurance . 