Turning 26?
Time for your own policy.

Your parents’ insurance won’t cover you forever. From January 2027, Podium makes getting your first solo policy painless — we run it against the major carriers so you don’t have to.

Common Questions

When do I actually need my own policy?

It depends on your parents’ carrier, but most policies drop dependents at age 26 — similar to health insurance. Some carriers allow you to stay on until you no longer live with your parents. Check your parents’ policy for the exact cutoff, and start shopping 30 days before.

Will my rates be higher since I’m young?

Rates do tend to be higher for drivers under 25, but at 26 you’re past the worst of it. The key is shopping around — rates vary dramatically between carriers for young drivers. That’s exactly what Podium does: we find the carrier that prices your specific profile most favorably. Our young drivers guide covers what actually moves the price at your age and when it starts dropping.

What coverage do I actually need?

At minimum, for policies written or renewed since July 1, 2025, Massachusetts requires bodily injury liability ($25k/$50k), property damage ($30k), personal injury protection ($8k), and uninsured motorist coverage. That is a legal floor, not a recommendation. We show you the limits you carry now and what the next step up would mean, and we can ask the carriers to price it, so you can decide.

Can I get a discount for being a good student or safe driver?

Yes! Many carriers offer good student discounts (if you’re still in school), safe driver discounts, and low-mileage discounts. When we run your review, we automatically check for every discount you might qualify for.

Turning 26?
Time for your own policy.

Let’s find your first policy

Your Driving Profile

What Should We Look Into?

You’re on the list.

Turning 26?Time for your own policy.

Let’s find your first policy

Your Driving Profile

What Should We Look Into?

You’re on the list.

Turning 26?
Time for your own policy.