I'm on my mom's car insurance. If I buy a car myself, can I keep the car under her insurance, or do I have to buy insurance myself?

You would have to get your own policy. There's no way around it, at least not legally.

You've heard people say that insurance follows the car and not the driver, but most of those people don't know what they're talking about. Insurance doesn't follow the car, it follows the owner. That's because the owner (not the driver) is legally responsible for their vehicle, including any loss or damage it causes. That's why the insurance has to be in the owner's name, because nobody else can be held responsible for it.

When you drive your mom's car, she's still responsible for any accidents that might happen. If I let you drive my truck and you crash it, you didn't just have an accident. I did, because I'm the owner and I gave you permission to drive. If you buy a car and let one of your buddies drive it, you're responsible if they get into an accident. That's how the law works in every state and province, and pretty much the whole civilized world.

If you buy a car and add it to Mom's insurance policy, the insurance company doesn't have to cover any loss or damage that might happen. Mom doesn't own the car, therefore she's not responsible for it legally, therefore she can't claim compensation for it. She has "no insurable interest" in your vehicle, which gives the insurance company a perfectly legal reason to refuse to pay for any accidents.

Never give an insurance company a legal reason to refuse to cover something.

if your a minor you can't buy a car yourself and the car would need to be put

on her insurance policy in any event.

That depends where you are in this big world.

Do not sponge off mother get your own insurance and insurance history. Drive well and build up your own no claims discount.

The insurance co that we use allows kids to be on their parent's policy until they reach 26 years old. I don't know about your mother's policy/insurance co.

If you buy the car under your own name, you will have to buy separate insurance. Let mom put her name on the title and add to the current policy...that is if you live together.

The insurance has to be in the name of the person who's name is on the title of the car.

If you buy a car yourself and stay on her insurance you're committing insurance fraud.