It is possible for a child to drive a car without being on their parents' auto insurance policy if the child does not have a driver's license and is not driving the car regularly. However, if the child does have a driver's license and is driving the car regularly, they should be listed on their parents' insurance policy. If an unlisted teenage driver gets into an accident using their parents' car, the insurance company may pay the claim and then add the child to the policy as a driver. It is generally allowed by insurance companies for occasional or permissive use by family members, but it is important to check the specific auto insurance policy to see if it covers occasional drivers. Insurance companies usually want every driver in a household to be listed on a car insurance policy, so if a child has their license and lives with their parents, they may need to be listed on their insurance.