To drive a car or motorcycle in New York State, you must. You can generally stay on your parents' car insurance policy as a registered driver if you live at home or if you're a full-time college student. That means you're still covered when you drive your parents' vehicles. And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance.
However, if you're moving permanently, you'll usually need your own car insurance policy. If you or your spouse own a vehicle, you may decide to insure it with your own car insurance policy or with your parent's policy. If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers.