Can a minor buy car insurance without parental consent?

Answer 1

No, absolutely not.

A minor child (under 18 years old) cannot buy car insurance or register a car in his/her name solely in any state in U.S. The key word here is solely in their name (alone...by themselves...etc). They cannot be the sole primary owner, as a minor and cannot enter into contractual insurance agreements without the help of a guardian or parent.

A minor child (under 18 years old) can register and title a car in his/her name with another person on the title who is 18 or older. And the parents or guardians can set up a separate insurance policy for them by adding them to the guardian or parent policy, even with a separate policy number for the minor, so it does not effect the premiums of the guardian or parent or person who is helping that is 18 years old or older.

A minor child (under 18 years old) cannot solely enter into a contractual obligation for financial responsibility or contract with insurance company until at least 18 years old, or accept required financial responsibility on the road until 18 years old.

Sometimes people get confused about this. Yes, you can register and title a car in a minor child name, Yes, you can get insurance for them at 15, 16, 17 years old and get insurance for them when someone else is on it with them who is 18 years old or older. So when you read statements that 15 1/2, 16 or 17 years old can register or title a car and buy insurance - It is true - but with help from a guardian or 18 or older persons.

REASON AGAIN: A minor cannot be the SOLE (the only) person on the title or the only purchaser of car insurance because they cannot be sued, and cannot be held financially responsible, and cannot enter into a binding contract.