Should Our 18 Year Old Son Have His Own Car Insurance Policy? 
If an 18 year-old son or daughter is living at home and drives a vehicle , there 's a good chance that the child is currently listed on a parent 's policy . This typically results in lower rates because of many available discounts , including multi-policy , multi-car , good-student , longevity , and several others . Also , the liability limits are likely to be above the mandatory state minimum limits . For example , if the state minimum requirement is $ 15,000 per person , and $ 30,000 per accident , the household plan may be $ 100,000 per person and $ 300,000 per accident . Additionally , if the young driver gets a moving violation or is involved in an at-fault accident , it is less likely a cancellation will occur if the vehicle is covered under a parent 's plan . So ... Do you really want your own policy ? You can get it , although the title may have to be in your name . Important Note : This answer was provided by Edward Harris , one of the nation 's premier car insurance experts . His top-rated website Carinsurancezoom.org provided free online quotes and the lowest auto insurance prices from top-rated companies . 