Effectively, you can remain on your parents car insurance as long as:

1. You reside in the same household
2. Your title and registration for the vehicle is in harmony with the:
a. Insurance Company requirements, and
b. State DMV - Title and Registration statutes.

Point #1 bears importance because auto insurance coverage is extended more broadly to those named as an “insured”. How long you can “stay on” your parents car insurance will be determined by company underwriting requirements. Those requirements tend to follow contractual verbiage. Point #2 is important since your state’s DMV statutes will dictate how each your vehicle's:

• Title
• Registration and
• Insurance

must read in order to put the car on the road. As you reach adulthood, it is in you best interest to have a policy in your OWN name. As a named insured you are afforded much better protection for those unique circumstances such as:

• Renting a car
• Driving an non-owned vehicle
• A passenger in another car

There can be advantages to being on your parents policy. However, once one moves out of the “rents” household, it is in your best interest to seek your own insurance policy. Have additional insurance questions? We LOVE to help - please feel welcome to give us a call at 607-324-7500 This article originally appeared at https://www.quora.com/How-long-can-you-stay-on-your-parents-car-insurance