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There are many kinds of insurance. If you are asking about life insurance or health insurance, the minimum age is "at birth."
If you are asking about auto insurance, the minimum age is "when they receive their driving permit." Call the insurer the day the permit is issued to have the child added to the parents' policy.
I cannot speak to all insurers, but Geico (my insurer) doesn't charge premiums for kids who have driving permits, but does charge when they receive their license.
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