You can add someone to your car insurance policy, but with conditions. Not everyone qualifies to be added to your car insurance. But there are also exceptions.
Generally, before adding someone to your car insurance, you need to understand who can be listed on your policy and how adding a driver to your policy will affect your premiums’ cost.
Whether you’re thinking about adding your college son to your insurance or loaning your car to a friend for a quick trip, here is some important information you need to consider.
Can I Add Someone To My Car Insurance?
If you’re wondering whether it’s possible to add someone to your car insurance, the answer is YES. But there are conditions.
Auto insurance companies won’t allow you to add anyone to your car policy. Every standard personal car policy has a permissive user provision. This is where certain drivers (people) qualify for coverage under your policy as long as they’ve been granted express permission to drive your car.
Here are the conditions to add someone to your car insurance:
- The individual must be a named driver. A named driver always has express permission to drive your car
- The individual must also be living with you or living at the same address
- The individual must have regular access to your car
- The individual has to be above 25 years and have a valid driver’s license
- The driver can’t be a child of the named insured
Note: It is important that the person you’re adding to your insurance is someone you know their driving record and who you can reach anytime. This way, you can monitor their driving and understand whether you should add them to your car insurance or not.
Who Can You Add To Your Insurance Policy?
Since you can’t add just anybody to your car insurance, the situation can look a little ambiguous. Typically, insurance laws allow you to add immediate family members to your car policy. However, in some states, the law requires you to add your spouse, siblings, or children who live with you and make them named drivers to your policy.
Here are a few other scenarios where you can add a driver to your car insurance plan:
- If your parents move into your home (lives with you) and drives your cars regularly
- If your teen has passed their licensing exam and now has an unrestricted license
- If a relative comes to stay with you in your home for months and will be regularly using your car
- If your roommate doesn’t own a car and regularly borrows your car
- If you are not sure about who you can add to your car insurance policy, you can always reach out to your insurance provider and seek clarification
Can I Add Someone TO My Car Insurance But Only Temporarily?
It will depend on your insurance provider, who you’re adding and the type of policy you have.
Let’s say you have a son in the military who will be living with you for a short period, a live-in nanny, or a foreign exchange student who will spend a short time in your home. Sometimes you may be having a close neighbor or friend who might need to use your car more often.
You can consult with your insurance agent on how to handle these situations appropriately.
The process of adding someone to your car insurance can be simple or complicated, depending on your insurance provider.
What Do You Need To Add Someone To Your Car Insurance policy?
Since additional drivers present new risks, insurers must underwrite your policy afresh when you add someone to your car insurance. This is why you need to have all of the required information about the driver you’re adding to your insurance before you make the change.
Here is the information you need about the driver:
- Their full name and date of birth
- Current driver’s license number
- Social security number
- Years of driving experience
- Accident and ticker record
You do not want to experience a denied claim because you failed to add someone to your policy or because the information you gave wasn’t accurate.
You need to double check the information you provide and ensure that they reflect the true picture of the driver you’re adding to your car insurance.
How Does Adding Someone to Your Car Insurance Affect Rates?
Adding someone to your policy means you’re adding risk to your policy. Simply put, it won’t always be you or your level of risk behind your car’s wheel.
Insurers calculate policy prices based on the level of risk that the car or the driver presents. That risk is increased when there are more people listed as drivers of the car.
So, simply adding someone to your car insurance will likely increase your rates – but this is not automatic. Sometimes, adding someone to your car insurance can bring your rates down. The answer depends on who you’re adding and their level or risk and other factors that usually affect the cost of insurance, including:
- Driving record
- Marital status
For instance, teens have an increased overall likelihood of being involved in a crash and making an insurance claim. This is why teens have the highest rates. So, a car shared by a 35-year-old and an 18-year-old is less likely to be involved in an accident than a car driven exclusively by a teen.
Generally, adding a teen can increase your premium rates. On the other hand, adding a driver with a clean driving record could lower your overall rates.
How Much Does Adding Someone to Your Car Insurance Cost?
If you want to add a driver to your insurance, you are likely to think about the cost. Since it affects your premium rates, the costs depend on your type of policy, the person you’re adding, and the insurer.
Adding another person to your car insurance can cost as little as $0 extra or as much as 100%+ to your premium. But the riskier the individual you’re added to your policy, the more your premium rates will increase.
For example, when you add an experienced driver with a clean driving record the cost may be zero or reduced rates. However, adding a teen to your policy will increase your premium by an average of 120% to 160%. But this could also be lower or higher depending on your insurance provider and state.
So, it is usually more cost effective to add someone with a similar risk profile or a better one to your car insurance to avoid increased risks.
Usually, car insurance follows the car, not the driver. This is why adding someone to your car insurance means adding risk to your car. If the additional driver on your car insurance policy is a high risk driver then your rates may increase. You should be careful not to add a person with a poor driving record because that will make you have a significant increase on your policy. You can always talk to your insurance agent to advise you on the best approach when adding someone to your car insurance.