Adding a Driver to Car Insurance

You ‘ll need to add person to your car policy policy if they live with you and have regular access to your car : otherwise, you risk being denied coverage if they get in a crash .
Adding person to your car insurance does impact your rates, but it wo n’t constantly have a negative effect — sometimes, you ‘ll actually save money, depending on the long time and driving history of everyone you add to your policy .
Read on to learn precisely how much your rates may increase when you add a driver to your policy, and how you can go about doing sol. We besides always recommend comparing rates from several insurers, as getting multiple quotes is typically the best means to find savings on car indemnity .


The cost of adding a driver to your car insurance

Adding a driver to your car insurance policy will have an impact on your rates. however, it is n’t the case that adding another driver will always raise them — in fact, we found that depending on who the primary and secondary drivers are, adding another driver can actually bring your car policy costs down by a significant total.

Graph of Drivers and Insurance Rates

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presently insured ? To understand the fiscal impingement of adding a driver to an policy policy, we collected quotes for three solo drivers — an 18-year-old serviceman, a 30-year-old serviceman and a 50-year-old woman — and added two different secondary drivers to see how they would impact rates .
We found that in about every event, adding an extra driver lowered the rates our sample distribution driver would pay. Young drivers can expect to save the most : Adding another driver to his policy reduced our 18-year-old ‘s rates by more than $ 500. The lone driver who actually paid more when adding an extra driver is a 50-year-old womanhood who added a 30-year-old man to her coverage .
This is because insurers set rates based on the overall likelihood that a vehicle will be involved in a crash, and thus, make an policy claim. Teens are by far the most likely to get into automobile accidents and have the highest rates, so a car shared by a 30-year-old and an 18-year-old is less likely to be involved in a crash than one drive entirely by a adolescent .

When you need to add someone to your car insurance

You need to add person to your car indemnity policy if they reside in your family, have a driver ‘s license and have access to your car .
This can include your spouse, boyfriend or girlfriend, and any driving-age children you have. It may besides include college-age children, depending on how far away they live and whether they drive your car while they ‘re home.

Some insurance companies may besides require you to add anyone who lives with you but is n’t related to you, like a roommate. But tied if your policy company does n’t require it, consider adding your roommate anyhow if they borrow your cable car evening occasionally. If your roommate gets in a crash when driving your vehicle, your insurance company may not cover the damage if they determine the roommate should have been named on your policy but was n’t. furthermore, it may not cost you much to add them to your policy .

When you don’t need to add someone to your car insurance

You do n’t need to add early drivers to your car policy policy if they do n’t live with you and drive your cable car only occasionally .
For exercise, if a guest is visiting you from out of town and borrows your cable car while you ‘re at exercise, they would be protected by your insurance policy ‘s “ permissive drug user ” clause. This is because the cable car insurance policy you have on your fomite follows the car, not the driver .
This is genuine tied if the early driver is a family member. The above exemplar still applies if the guest is your son or daughter, so hanker as their permanent wave residency is n’t your own .
In the case of roommates, you besides do n’t need to add them to your policy if they have their own car and insurance. indeed if you and your roommate both have your own cars, you do n’t need to add one another on each policy — even if you occasionally use one anothers ‘ vehicles .

Temporarily adding someone to your car insurance

If person — whether they ‘re a guest staying with you, a babysitter or anyone else — will be frequently using a car you own over an extended time period of time, we recommend adding them to your car indemnity policy temporarily. But the threshold for when it ‘s actually necessary to do so will depend on their exact relationship with you, how long they ‘ll be using your cable car and your specific insurance company ‘s policies .
For example, if you ‘ve hired a babysitter for a erstwhile occupation and loanword them your cable car, you credibly would n’t have to add them ; but if you employ your babysitter on an ongoing basis and they regularly borrow your car, you likely would .
Contact your insurance company to find out whether you should temporarily add person to your insurance policy .

How to add a driver to your insurance policy

For most major insurers, including Geico, State Farm and Progressive, you can add a driver to your car policy policy merely by calling your indemnity agent or provider ; you can normally besides add a driver on-line .
You ‘ll likely need the follow information about your fresh driver to add them to your car indemnity policy, though the claim requirements vary by insurance company .

  • Name
  • Date of birth
  • Gender
  • Social Security number
  • Occupation
  • How long they’ve had their license
  • Any recent traffic tickets or accidents

If you ‘re permanently adding a driver to your indemnity policy, like if your child precisely got their driver ‘s license, we recommend that you shop approximately for a new policy — you might be able to find cheap car insurance rates at another company.


To understand how adding a driver to a car indemnity policy affects rates, we collected sample quotes for three primary drivers in Austin, Texas : an 18-year-old man, a 30-year-old man and a 50-year-old woman .
For each base quote, we besides collected extra quotes adding one of two junior-grade drivers : a 30-year-old man and a 50-year-old womanhood .
All sample rates for wax coverage insurance were for a 2014 Hyundai Sonata and sourced from Progressive .

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