Do you have to have insurance if your under 18?

Answer 1

If you want to drive a car you need to have a valid driver's license and the car you are driving must be insured. You don't necessarily have to have your name listed on the policy if you are only borrowing the car from a friend. Be careful though there can be limitations on the coverage in some states if you are not a listed driver on the policy covering the car you are driving.