this post was submitted on 24 Oct 2025
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16 year olds shouldn't be driving anyways, so I'm not surprised your premiums went up. Also...24 and you're still paying for his insurance???
In my state, it doesn't matter if he's 25 or 55. If he drives my car regularly he has to be on my policy for my car. That's the law. He has his own policy, for his own car. I don't ever drive his car, so I'm not on his policy. But since his car is a Mini, he borrows mine a lot too. And I don't like committing insurance fraud, so I follow the law.
Dunno where you are, but in the US, 16 year olds drive.
And every kid and every family is different. You parent your child, and I'll parent mine. You're not entitled to even form a fucking opinion on my parenting.
The car is insured, not the driver. Your comment made it sound like you still had him on your policy for his car.
In the USA, and while this is correct that they can drive, they shouldn't be. Just as when someone hits 65 they should be required to take yearly driver courses. A vehicle is not a right it's a privilege. We should have mass transit and the same level of driving requirements the EU has to get a license. Way to make people absolutely fucking suck at driving, and unfortunately the elderly and teens make up the majority of crashes.
No where did I question your parenting. I made a comment about an over all belief that kids need more responsibility these days. Calm down padre.
Thanks, I will certainly give your parenting advice the credence it deserves.
In most states the guardians can pay insurance for their dependent up until 25, at least for healthcare and the parents are probably extending that to their son's car insurance, generously. My mom kicked me off her plan when I was 23, but I've always had to pay for my car's insurance
18 here but at that age kids gotta grow up. Helping them financially when they get into a pickle is one thing but not teaching them what stuff costs sets them up for a world of hurt.