Do I have to have insurance if my mom and dad own the car? Yes, you have to have insurance on the car you plan on driving. It doesn’t matter who the car belongs to but you have to have a policy that realizes that you are a teenager (which I’m just assuming) and that you will be driving it. Check with car insurance chicago 123 and they will help you with learning what type of coverage you can check on that will help your needs and benefit you should anything happen. Most insurance companies will be glad to answer any questions you have.