In my household the kid driving paid. But than, no one bought the kid their own vehicle neither. They paid their insurance and once ready, purchased their own vehicles. Until their own vehicle, they could use my/DH's vehicle with notice and limits.

The CP. Insurance is included in CS.

Wait what

There are people in the world who's parents pay their car insurance??? Like they're 16+ and they're old enough to drive yet they have insurance paid for?

Is it just me or is life getting REALLY easy for kids/teens nowadays? I was quite spoiled as a teenager because my mom liked to shop but I NEVER got anything handed to me in terms of responsibilities. My parents moto was pretty much "if you're old enough to XYZ you're old enough to pay"

I had to pay my license, gas, car insurance, phone, etc.

DH told me the agreement he had with BM was that he would buy the car, and BM would insure it. It was not in the CO. He bought the car, and BM refused to insure it. For 2 years, DH paid for insurance and maintenance.

After SD went to college, DH signed the car over to SD and told her it's up to her and her mom to figure out insurance. If they can't insure it, they can sell it. He should have done that from Day 1.

The kid should pay.

IMO and in my house... the kid paid.

Putting aside having the kid pay.... most insurance companies have rules for that. My DH oh-so-badly wanted to put our SS's on our car insurance (yikes, 2 teens at once, with my DD not far behind). But... their primary residence was with their mom. Our insurance agent said we couldn't do it because they were not living in our house. And I think DaizyDuke has recently researched this thoroughly with her insurance company, who said the same thing

Both my DD and DS work, and although they are insured under our policy for better rates, they pay me every month. I will continue to do this for my DD until she is out of college, and for my DS (who's not going to college) until he gets a solid electrical apprenticeship job after graduation. OR when either of them "officially" move out.

SD16 isn't speaking to her father and says Gris dead to her over this issue. He has two kids with BM. When the oldest turned 16 BM's husband got her a car. He owns an automotive shop so he gave her a car fixed up when the owner couldn't afford the repairs. So BM told him to add SD and that SD would give him the money every month. She paid one time. She is about to turn 18 in September. So now the second daughter is 16 and BM's husband has procured her a car. She told DD2's dad to add SD16 and he said no. He said he pays for one daughter and she can pay for the other. Neither SD will speak to him or see him and they said nasty things about me and DD2. The implication in believe was hatbhe would give them all the money if it wasn't for DD2's and that he must spend all of his money on her. I support DD2. So it's been a month now. So I guess DD2 will forget them in time. If they are going to be that spoiled and shallow then I am not going out of my way whatsoever at all. It isn't DD2's fault and I think it's a dumb reason for them to cut their father and little sister out of their life. I think it's fair that he pays for one and BM pays for one. His lawyer reviewer his divorce paperwork and said he isn't obligated to pay the $200 for the one

SD couldn't be on our insurance, she didn't live with us. My insurance agent said her DL address would have to match her insurance. Which was BMs house. If we put her on ours it would be considered fraud and we could be sued if she'd had an accident.

BM told SD that it was going to cost $1000 per year to add SD to her insurance. Of course BM didn't have it and so told SD to ask DH for it.

At the time we used the same insurance broker as BM. I asked hypothetically if I had a 1990 POS (BMs car) what would my yearly insurance be and what would it cost me to add SD?
The agent said "Let me look that up, hypothetically of course."
Surprise, surprise it was $800 a year and $200 to add SD. BM wanted DH to pay for her insurance as well as SDs.

In the end I told SD that someone must have made a mistake and it was only going to cost $200 to add her to BMs insurance. DH did agree to give SD the $200 but then the car she was going buy fell through. So everyone got all riled up for nothing.

what about the child........ if they are old enough to drive, they are old enough to work and old enough to pay insurance

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I bought my kids cars and covered their insurance. They paid for gas and normal upkeep/maintenance.

My agreement with my ex-husband was that I would buy a vehicle for our oldest and he would buy a vehicle for our youngest. I purchased the vehicle for our oldest and we split the insurance three ways. 1/3 me 1/3 him one third child.

After that everything happened with his psycho girlfriend and he pretty much gave up on the kids. I also ended up purchasing a vehicle for a second child and I covered two-thirds of the insurance while the child covered 1/3. There were times in the year when the kids didn't have enough hours at work or couldn't work because of activities or school or other things, so I loaned their third and they paid me back later usually with Summer earnings.

My husband purchased a vehicle for his oldest and will be purchasing a vehicle for his youngest this year. He covers half of the insurance for his kids and his kids cover the other half. His ex couldn't afford it even if she wanted to.

Now, I cover 100% of the insurance for my oldest who is away at College because they have worked their butt off and obtain scholarships for 100% of school including room and board. $200 a month is a small price to pay for a great kid.

I think this is really different for every family because there's so many different scenarios. Heck, it's been different for both of my kids and they have the same parents. And my kids are different from my step kids. And I'm sure my child I share with my husband will be different than all of them.

I had to pay for my own car insurance as a teen--it was part of the "responsibility factor" my parents implemented.

In our situation, SO has a cute little white BMW sitting in the driveway (convertible for those gorgeous sunny coastal drives), but Winona SD18 has no drivers license, and no job.

The deal, as stated by SO, is that as soon as she has her license and a job, that can pay the insurance, she will get to drive the car. He is wanting BM to put her on HER policy, but now, since a few days ago, Winona has insisted that she is no longer welcome at BM house, and is with us full time, it makes sense that he will have to put her on his policy, and suffer the consequences of any tickets, or accidents.

LOL. It might be a looooooong time until that job and license. Winona cant even get off her butt, to ge get her birth certificate, to even take the licensing test. And a job? WEll, 2 interviews in 2 weeks and a job fair, so who knows? All I know is that she has not made any progress in either direction.