Can Teens Get Their Own Car Insurance Policy Without Parents
Reader’s Question:
Im only 17 years old and will be purchasing my first car next month or so. Is it possible to get car insurance without my parents?
Grey
Detroit MI
It is unlikely that you will be able to purchase car insurance policy without your parents or a legal guardian to help you sign with the contract.
An auto insurance policy is a legal contract. Many states require policyholders to sign the documents to make them binding and insurers generally have underwriting guidelines restrictions to the named insured should not be under the age of eighteen. Well since you said that you are 17 years old, it is unlikely that you can get your own car insurance policy without your parents with you to sign the contract with you.
Typically, you need list all members of the household that is 14 years old and older, whether they are licensed or not. These household members must be included in the rating otherwise they should be excluded specifically on the policy.
You can purchase an auto insurance policy but, because of your age your parent would need to sign the documents with you.
For the meantime, if you still live with your parents, you can be added to your parents policy until you become 18 years old. If your parents are worried of getting expensive car insurance rate, you can share payment for the premium until you get your own policy. Keep in mind that it is much cheaper to be added to your policy than having a separate policy.
Sports Car Insurance Rate For Teen Driver in Florida
Reader’s Question:
Why does my son’s car insurance charge more for his sports car than my work car, even though he drives much less than I do each year? We live in Florida.
Miami, Florida (FL)
Florida insurance companies normally dislike teenagers in flashy cars because such cars are so easy to drive recklessly compared to old and heavier cars. This results to a higher insurance rate increase for sports car than the increase for a slower, older, and cheaper model. Also, consumer might consider dropping comprehensive and collision coverage. The value of the car also impinges on the cost of insurance. The more expensive your car, the higher your insurance rate is. You have proven yourself as a better more reliable driver over the years and your rates will be lower because of that…and your work car is probably not in the same risk category as your sons car. Fast cars and teen boys….means risk! More risk, higher your rates. Drive a Honda Civic….and get a daughter. 
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