do drivers who live at home after 25 have to be on policy?

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Asked July 5, 2017

1 Answer


Drivers who live in New York and live at home after 25 should be on some parent's auto insurance policy. There is no limit right now as to when a driver may no longer be able to be on their parent's car insurance policy. Any driver should have some form of insurance whether they are on their parent's home insurance policy or not. Driving without insurance can have legal ramifications for any person if they have no insurance regardless of the state that they live in.

In some cases it may be a better option to remain on a parent's insurance because generally that insurance is cheaper. When the driver reaches the age of 25, their insurance is also likely to be cheaper in general because statistically they are less likely to become involved in an accident according to the eyes of insurance companies. Sometimes it may be beneficial to walk to work or even to bike to work instead of driving a car.
In this case there is no need to have drivers insurance on any policy at all. But as a general rule of thumb if a person drives or operates a vehicle on main roads to get to their destination they will need to have some form of insurance available in case they are stopped by the police. When prompted the person will need to be able to provide insurance regardless of age or will face serious fines and consequences.

A ticket for not being able to provide insurance in New York can cost the offender up to $1,500. In the long run it's better to play it on the safe side and to make sure that the person in question is either covered on their own policy or are added to their parents policy which can be a cheaper and more affordable option. It's always best to make sure that the correct insurance is paid for and up to date!

Answered July 6, 2017 by key2616

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