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Is car insurance more expensive for those with children?
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If you are looking for more information about car insurance, you may already know that there are several factors that influence the price. Among them is the existence of children. This is your case, so find out if car insurance is more expensive for those with children in this article.

Find out how the value of car insurance is determined!

As you may already know, the price of car insurance varies greatly depending on the driver's information, the condition of the car and the family's routine. Among these factors that influence the price of the service is the existence of children.


However, many people have a common question: is car insurance really more expensive for those who have children? In this article we will explain more about this subject, follow along.

Is car insurance more expensive for those with children?

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After all, is car insurance more expensive for those who have children?

The answer to this question is that it depends. When you take out car insurance and don't have children, you pay X amount for the service, however, if you expand your family and include a small, minor child, the value of your insurance will be lower than it was before.

Now, if you have children aged between 18 and 25, be aware that your insurance will be more expensive. Follow the explanations below and better understand whether car insurance is more expensive for those who have children:


Why is car insurance cheaper with minor children?

When a driver has a child under 18, insurers understand that this driver will be more cautious when driving, after all, he will not take any risks behind the wheel with his small child in the back seat.

In other words, younger children in the back seat mean fewer chances of accidents for the car, and consequently, lower expenses for the insurance company and for the insured as well. Therefore, if you have a minor child, it is worth informing about him in your insurance policy.

What about car insurance for those with older children?

In this case, it is sad to say that car insurance will be more expensive. This happens because insurance companies understand that, if you have a child aged 18 or over, the chances of him being licensed and driving your car are greater.

And, it must be said, the highest rate of traffic accidents is among drivers between 18 and 25 years old. In other words, if you have a child within this age range, you will pay a very high insurance premium. If your child is over 25 years old and still lives with you, be aware that the insurance premium will still be higher, but not as much as for those who have children under 25 years old.


Example: let's assume that the price of your car insurance policy, including you alone, is R$2,540.00. If you include a child aged between 18 and 25, the value will rise to R$3,859.00. If your child is over 25 years old, the amount may be R$3,492.00. In this case, car insurance is more expensive for those who have children.

Do you have children under 18 but are separated or divorced?

Unfortunately, in this case, you will not pay cheaper on car insurance by including your child in the insurance policy, because insurers understand that divorced or separated people are more likely to go out with friends, drink and end up driving.

This idea is based on the fact that the driver will not always have the child nearby, whether the child lives with him or not. After all, at some point the little one is with their father or mother, and the insured person will be free to leave, potentially putting themselves at risk behind the wheel.

Do you have a minor stepson?

If you get married, or even just establish a serious relationship with a person who already has one or more children, if they are minors, you may be able to get a discount on the value of the policy.


However, this is not a rule as in the case of minor children, mentioned above. Some insurers may deny the discount, claiming that the driver will not be more careful behind the wheel, as the child is not theirs.

Even so, it's worth trying, if you live with someone who already has a child, inform this when taking out car insurance and see if you can get a discount.

Do I really need to include my child in the insurance?

After reading this information you may ask yourself, 'but what if I don't want to include my children on my car insurance policy?'. The answer to this question is that if you don't want to have future problems with your auto insurance coverage, you have no choice. You will need to include your child in the insurance quote.

Regardless of whether or not he is a minor, or whether or not he drives your car, he needs to be mentioned in the quote. Because, if he is over 18 years old, he takes your car without your permission and has an accident, the insurance will not be responsible for the accident. So, even if you know that insurance may cost more when informing about your child, do it, it is always better to be safe than sorry.


If your child has a license and takes your car from time to time, include him as an additional driver on your insurance. This way, if he is unlucky enough to crash the car, you won't have to pay for the repairs yourself.

Is there car insurance for drivers under 25?

As shown previously, if you have a licensed child over 18 years of age who occasionally takes your car, it is best to include him in your insurance as an additional driver. The policy will be more expensive, but you will avoid a lot of headaches.

Now, if your child in this same age group has their own car, it's worth including their car on their family insurance, alongside yours. This way you will be able to pay a much lower amount for his insurance than you would pay if you took out individual insurance for him.

If your child is about to get his license and you intend to give him a car that is already insured, look for newer, simpler models that are not frequently targeted by thieves and do not contain expensive or difficult-to-find spare parts. By doing this you will be able to take out much lower family insurance for your child.


Another good way to save on this hiring is by installing a tracker or blocker in the young person's car. These types of equipment cause the insurance value to drop considerably. This happens because cars with trackers are much more likely to be found if they are stolen or stolen.

It's also worth enrolling your child in a safe and defensive driving course, offered free of charge by many traffic departments across the country. If he has this attribute, he will be able to pay an even lower amount on the policy.

What are the other factors that influence the price of car insurance?

In addition to children, there are other factors that also influence car insurance, the main ones are:

Reasons that influence the price How they influence the price
Vehicle brand Some brands are more targeted by thieves, which makes insurance more expensive. Just as there are brands that have more expensive maintenance.
Year of manufacture of the vehicle The newer the vehicle, the lower the insurance cost. This is because older cars find it more difficult to find parts.
Existence of garage Cars that have a garage had lower insurance rates, as the time they will be exposed to danger on the street will be shorter.
Region where the insured person lives Areas where safety is lower or the chances of accidents are greater will promote more expensive insurance.
Type of housing Policyholders who live in houses may pay more than those who live in apartments or gated communities, because insurers believe that policyholders who live in residences are more exposed to the risk of theft.
Driver profile Gender, accident history and age are factors that influence the value of insurance. Women are considered more careful than men behind the wheel, which is why they pay less.
Type of coverage contracted The more auto insurance services that are contracted, the higher the value of the policy will be.
Franchise If you opt for a lower deductible, you will pay a higher amount for insurance. However, if you choose a more expensive deductible, the insurance amount will be lower.

Now that you know how car insurance works for those with children, including the prices. And you know the main factors that influence the final price of the insurance policy, it will be much simpler to obtain quotes and take out insurance that has the services suited to your case, at more affordable prices.


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Is car insurance more expensive for those with children?

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Is car insurance more expensive for those with children?


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