You do not need to be added to your parent’s policy until you get your license. The premium will increase significantly especially if there is a vehicle for your regular use – there are the same number of drivers and cars. If there are more drivers than cars, you can be listed as a part-time driver. Also, you may qualify for a good student credit if your company allows it if you get good grades.
The best person for you (or your parents) to ask is their agent.

In Texas, by definition – an insured party is “named insured, spouse and residents of the household.”

So, by definition, you do NOT need to be listed and coverage will apply.

Once you get your license, like someone else said – it all depends on how many autos versus how many drivers. If there are more drivers than cars (or trucks) you could be shown as a part-time driver and the rate would not be as high as the full time driver.

On the other hand, most insurance companies will rate the highest rated driver (YOU) on the highest rated vehicle (your Mom’s LEXUS or whatever the nicest car in the household is) and you may never get the opportunity to drive it….oh, okay, maybe on PROM NIGHT if you keep your grades up!

So, have your parent’s contact their Nationwide agent and see how they want to handle the situation.

If it looks like the premium is going to be too high, you can have them call a local INDEPENDENT agent and do a price comparison. An independent agent will have a dozen or so different insurance companies that may have a better price than the one with Nationwide.

Good luck, drive RESPONSIBLY and I hope this helps!

yes, the insurance premium amount will go up if you are added as an additional driver on their policy