Individuals who reside with their parents and drive a vehicle may be required to have car insurance. This is because most insurance companies expect licensed family members living in the household to be listed on the car insurance policy. If an individual is considered a dependent, they may be able to stay on their parents' car insurance policy even if they do not live with them full-time. However, if an individual owns their own vehicle, they may need to have their own car insurance policy. The specific requirements for car insurance coverage can vary by state and by insurance company, so it is important to check with the individual's insurance provider to determine their specific coverage needs.