There's a couple of things to consider before your mom can add you to her policy. Do you live with your mom? If so, you should have no issue with being added to her policy. There are many factors that can make your policy cheaper together. For instance, a multi-car discount, credit (if your mom has better credit), age, and even length of insurance. Below is some help information regarding car insurance for multiple drivers Car insurance for teens Car insurance for families
If you do not live with your mom, you might have some trouble. Because of the way car insurance premiums are calculated, having non-resident drivers can be an additional risk factor. While it's not set in stone, bear in mind it can just be harder to find a policy.