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You can add your licensed child to your Auto Insurance Plan or you can get the child their own Auto Insurance Policy. The choice is yours but it's usually cheaper just to add them to your existing policy. Your Auto Insurance contract requires that you notify your insurer of any change in household drivers that effect the risk associated with your policy. In any event they must be covered to comply with the law.

Bear in mind that all drivers who operate a motor vehicle on public roads are required to maintain proof of financial responsibility at all times. There is no exception of law for a child driver.

Additionally if your licensed child is still your minor dependent, then parental responsibility still applies and you are financially liable for their actions. This is why many insurance companies require that they be added as soon as they start driving.

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Q: When your child gets his or her drivers license do you have to add them to your auto insurance plan?
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