Are children living at home covered on auto insurance?

UPDATED: Oct 17, 2016

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UPDATED: Oct 17, 2016Fact Checked

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Asked October 17, 2016

1 Answer


According to both the Louisiana Department of Insurance and the National Association of Insurance Commissioners state that auto insurance usually covers you, your family members (including children) and others driving your vehicle with your permission. Your family members are also covered, while you drive another person's vehicle including rental vehicles. Company cars and other cars not personally owned by you are Not covered.

If your policy covers medical expenses due to an accident for a specific period of time, medical payments cover you, your family and other passengers in your car.

If your child is going off to college or university, they would still be covered under your auto insurance policy as long as their permanent residence is in their home state. Ask your auto insurance carrier about specifics if your child is going to school out of state, they are most likely covered but you will probably have a premium change based on that specific state's policy.

Check with your personal auto insurance company regarding their policy for family member coverage and teen drivers for more specific information and rates.

Answered October 18, 2016 by Parker2009

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