Is it possible for me to get my own car insurance policy in  Minnesota? I am a 18 year old beginner driver, and I finally got my own car…..yahoo!!

Richard

Minnetonka, MN

You should be able to get your own car insurance policy at age of 20 if you are a fully licensed driver. Your vehicle insurance rates will probably be expensive as a young driver. However you would be able to place auto insurance on your car if you are fully licensed.

If you do not have your own car, then you may obtain a non-owners vehicle insurance policy. Basically this is a liability coverages that could be used when renting a vehicle.

If you are still residing at home with your parents normally it will be cheaper to stay on their auto insurance coverage until you move out. Some parents though would want their children to have their own car insurance policy once the child has bought a vehicle which they do not want to place on their car insurance policy.

At the age 20, as an adult, you can have your own auto insurance policy. Normally you would have to have a parent or legal guardian sign on your insurance document if you are under eighteen years old since teens cannot enter into contracts.