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How old do you have to be to get car insurance?
Can a teenager have their own car insurance policy? I just got into college and I’m about to buy my first car—but I'm worried that I'm too young to buy car insurance. I live in Indiana if that makes a difference.
Liz Jenson · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
“How old do you have to be to get car insurance?
How old you have to be to get car insurance depends on where you live and which insurance company you choose. A few states have age restrictions, but you can usually buy car insurance as long as you have a
driver’s license
.It should be noted that insurance policies are legal contracts and you might need a parent or guardian to co-sign the policy if you’re a minor. In Indiana, however, you’ll be able to buy your own insurance without a co-signer when you’re 18—but you probably won’t want to. Here’s why.
Insurance for young drivers is expensive. It will likely be much more affordable if you’re added to your parents’ policy instead of getting your own. Their premium will go up, but just offer to pay them the difference and explain that it will save you tons of money. What’s even better, it can save them money too, because you’ll qualify for a
multi-car discount
on the family policy.To lower your costs further, ask about other discounts for young drivers. Your provider may offer
discounts
for getting good grades or taking a safe-driving course.If your parents are worried about the price or if you’d rather get your own insurance, you can shop for low rates quickly and easily with the
Jerry
app. A licensed broker, Jerry will help you gather and compare quotes for free. That way, you can be sure you’re getting the best price for the coverage you need.”View full answer
- Gregory R.
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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
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