Turning 26

Turning 26?
Time for your own policy.

Your parents’ insurance won’t cover you forever. Podium makes getting your first solo auto policy painless — we compare 12+ carriers so you don’t have to.

12+ Carriers compared

3 min To get started

Let’s find your first policy

First Name

Last Name

Email Address

Your Driving Profile

Date of birth

Vehicle Year

Make

Model

Are you currently on a parent’s policy?

Parent’s carrier

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.

What coverage do I actually need?

At minimum, Massachusetts requires bodily injury liability ($20k/$40k), property damage ($5k), personal injury protection, and uninsured motorist coverage. But we recommend higher limits — the state minimums are quite low. Podium shows you tiered options so you can see the cost difference.

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 compare rates, 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

You’re on the list!

Turning 26?
Time for your own policy.