Adding a Child to Your Car Insurance? Here Are Ways to Hold Down the Costs.

Car insurance is expensive, and insuring young adult drivers adds to the cost.But families do have options to manage the burden.Unlike health insurance, a parent’s auto insurance policy has no required age cutoff for children.

(The Affordable Care Act allows children to remain on a parent’s health plan until age 26.After that, they must have separate coverage.)“It’s not an age question,” said Mark Friedlander, a spokesman for the Insurance Information Institute, an industry group.

Rather, young drivers’ circumstances, such as where they live or whether they are students, come into play when considering separate coverage.Douglas Heller, director of insurance at the Consumer Federation of America, an association of nonprofit consumer advocacy groups, agreed that there was no blanket answer.“It’s more situationally specific,” he said.The question has been cropping up more often: A growing number of young adults live at home with their parents as they confront higher living costs and struggle to pay their student loans.Here’s what to know, in general, about insurance for young adult drivers.

Some details may vary by state and carrier, experts said, so it’s always best to confer with your insurance agent.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access.If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe....