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The legal age to contract refers to the chronological age a person must be to enter into a binding agreement. In most parts of the United States, Canada, and the United Kingdom, a person is a legal adult when he or she is 18 years of age.
In all states, a person has reached the age of majority and is a legal adult at the age of 18. A minor can also be emancipated, or declared a legal adult, by the court. In some states, people as young as 15 may be able to contract for necessities like food and shelter as well as education and car expenses. For example, in Alabama, a minor over the age of 15 may purchase health, life and auto insurance. In New Jersey, a married 17-year-old may sign property contracts.