Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Can my parent's drop me from their policy?

My parents want to drop me from their insurance because I have a speeding ticket on file, but it hasn't been put on the insurance yet. Can they still drop me? I got an attorney for my speeding ticket so that way it wouldn't go on my driving record and make the insurance go up, but I haven't gone to court for it yet. If they're thinking about removing me from their policy before my court date, can they do that? If so, is it going to show that I had the ticket if I get a new insurance policy on my own?

Feb 6, 2018 Frisco, TX

Author profile picture

Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Thanks for reaching out to The Zebra! There are a couple of things to think about here.

First, your parent's insurance won't be affected until the next renewal. That's usually when your insurance company will pull your Motor Vehicle Report (MVR) which will show your ticket.

Second, your parents can drop you from the policy if they're the named insured (i.e., the people who created the policy). It's important this doesn't happen because, at this point, you would be uninsured and have a lapse in your coverage which not only prohibits you from legally driving but hurts your chances of finding affordable insurance in the future. Insurance companies see speeding tickets and lapses of insurance as red flags and will charge accordingly for them. Your best bet is to reassure your parents that you'll have the ticket dismissed prior to the next renewal. If they still insist on dropping coverage, you will need to find additional insurance. You can compare rates from different companies even with a speeding ticket, so you should be able to find affordable coverage. And don't hesitate to reach out, our agents are always happy to help you get a personalized quote.

Ask an Agent
Have a question? We're here to help.
Ask an agent for free

Insurance is complicated, but it doesn't have to be.

The Zebra searches all of the top insurance companies, in one place, so you can compare the cost and coverage you need to protect your car, home and other property.

Step 1: Tell us a little about yourself

Choose an insurance product and enter your zip code to get started.

Step 2: Sip your coffee while we find the best quotes

Enter the necessary information and then sit back while we find quotes from 100 top insurance carriers.

Icon Fill Form

Step 3: Compare your quotes

Compare quotes side-by-side to find the right match for you, whether it's home, auto, or more.

Icon Agent

Step 4: Let our agents do the hard work for you

Once you pick your policy, our agents are here to get you over the finish line. Then just relax and enjoy your savings.

Compare insurance rates today!

Location pin icon
No junk mail. No spam calls. Free quotes.

Related Questions

Other people are also asking...

Do I need to unfreeze my credit to get a quote?

You should be able to get preliminary rates with your credit still frozen. However, in order to run all of the reports (credit, claims history, violation history, etc.) and finalize your auto insurance rates, many carriers will require a credit check which would require you to unfreeze your credit.…
Jul 22, 2022 Atlanta, GA

Is a police report required when a parked car is hit?

Texas law states you must file a police report if the accident resulted in physical injury (or death) or property damage exceeding least $1,000. If your daughter is filing an uninsured motorist claim (i.e., a hit and run), I recommend filing a police report. You can submit a Driver's Crash Rep…
Jun 17, 2019 Terrell, TX

Is it mandatory to list my adult child on my policy?

Thanks for reaching out to The Zebra!This is actually a common concern for families. Insurance companies generally require that any person in the household be listed on your policy regardless of driving status. The reason is that the company wants to know who they will and will not cover as a drive…
Aug 18, 2022 Groveton, NH

If my car was hit by a family member, can I claim the damage with my insurance company to help them avoid a higher rate?

You could claim the damage as a hit-and-run, but that's technically not what happened so I would avoid lying to your insurance company. I would recommend getting a repair estimate first so you can factor that into your decision. The only way to avoid causing an increase to your family member&#…
Nov 20, 2016 Sacramento, CA