817-485-5050 info@schwabagency.com

teen driver leaning out of car window

When do kids need their own auto insurance?

When your teen first learned how to drive, you probably insured them under your auto insurance policy.  However, as your child gets older and starts making their own way in the world, you may be wondering when they need their own car coverage.  Here’s what you need to know about covering your child on your auto insurance policy.

Typically, insurance providers will let you keep your child on your auto insurance policy as long as they continue to live in your home.  Once the child moves out, then they must secure their own auto insurance policy.  However, there are some exceptions to this residency rule.  If a child is moving away from home to attend college, then most insurance providers will allow them to remain on their parents’ auto policy.  This is because they still consider the parents’ home as the student’s primary address.  The other exception to the rule is children of divorced parents.  In this case, a parent can continue to list their child on their policy even if they only live with them part-time.

In addition to moving out, insurance providers will require children to secure their own auto insurance policies if they have proven themselves to be financially independent.  While each insurance provider has their own definition of financial independence, many insurers consider a child to be financially independent if they own a home or get married.

This is what you need to know about insuring your child on your auto insurance policy.  Do you have additional questions about your car coverage?  If so, then contact the experts at The Schwab Agency in Colleyville, Texas today.

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The Schwab Agency

The Schwab Agency, LLC has over 20 years of experience within the insurance industry in our community and our goal is to bring you unparalleled service and dedication. Since the majority of our business is through long-lasting relationships with our clients, fulfilling your needs is of the highest priority.

COVID-19 Update:


Due to new increasing cases of Covid-19 our office will be closed to the general public until further notice. Our team will still be working full-time in the office and here to assist with all your insurance needs. Please contact us via phone at (817) 485-5050 or email: info@schwabagency.com.


We hope everyone is doing their part to protect themselves and their loved ones during these hard times, and thank everyone for understanding our decision to do our part to help protect our staff and those in our community.


Tim Schwab.
President and Managing Partner