Do You Need To Add People Onto Your Car Insurance

You'll demand to add someone to your car insurance policy if they live with you and have regular access to your car: otherwise, you take chances existence denied coverage if they get in a crash.

Adding someone to your car insurance does impact your rates, merely information technology won't always have a negative consequence — sometimes, you'll really salvage money, depending on the age and driving history of everyone you add to your policy.

Read on to learn exactly how much your rates may increase when you add a driver to your policy, and how you can go about doing so. We likewise always recommend comparison rates from several insurers, as getting multiple quotes is typically the best way to find savings on machine insurance.

The price of adding a driver to your motorcar insurance
When you demand to add someone to your car insurance
How to add together a driver to your insurance policy

The cost of adding a driver to your motorcar insurance

Adding a driver to your car insurance policy will have an impact on your rates. Still, it isn't the instance that adding another commuter will always raise them — in fact, nosotros constitute that depending on who the primary and secondary drivers are, adding another commuter tin actually bring your auto insurance costs down past a significant amount.

Detect Inexpensive Auto Insurance Quotes in Your Area

To understand the financial impact of adding a driver to an insurance policy, nosotros collected quotes for three solo drivers — an 18-yr-one-time man, a 30-year-old human being and a 50-twelvemonth-old adult female — and added two dissimilar secondary drivers to encounter how they would bear upon rates.

We plant that in nearly every instance, adding an boosted driver lowered the rates our sample commuter would pay. Young drivers tin can expect to save the most: Calculation another driver to his policy reduced our 18-year-old's rates by more than $500. The only driver who really paid more when adding an additional driver is a l-year-old woman who added a 30-year-one-time homo to her coverage.

This is because insurers set rates based on the overall likelihood that a vehicle will exist involved in a crash, and thus, make an insurance claim. Teens are past far the virtually likely to get into motorcar accidents and have the highest rates, so a machine shared past a 30-year-erstwhile and an eighteen-year-sometime is less probable to be involved in a crash than one driven exclusively by a teen.

When yous need to add together someone to your motorcar insurance

You need to add someone to your car insurance policy if they reside in your household, take a driver'southward license and have access to your car.

This can include your spouse, boyfriend or girlfriend, and whatever driving-historic period children you have. It may as well include college-historic period children, depending on how far away they alive and whether they drive your car while they're home.

Some insurance companies may also require y'all to add anyone who lives with yous but isn't related to you, like a roommate. Just even if your insurance visitor doesn't crave information technology, consider adding your roommate anyhow if they borrow your car fifty-fifty occasionally. If your roommate gets in a crash when driving your vehicle, your insurance company may not cover the impairment if they determine the roommate should have been named on your policy but wasn't. Furthermore, it may not price you much to add together them to your policy.

When y'all don't demand to add someone to your car insurance

Y'all don't need to add other drivers to your car insurance policy if they don't live with you and drive your car only occasionally.

For example, if a guest is visiting you from out of boondocks and borrows your car while you lot're at work, they would be protected by your insurance policy's "permissive user" clause. This is because the machine insurance policy y'all have on your vehicle follows the car, not the driver.

This is true fifty-fifty if the other commuter is a family member. The above example all the same applies if the guest is your son or daughter, so long equally their permanent residence isn't your ain.

In the instance of roommates, you also don't need to add them to your policy if they take their own auto and insurance. So if you lot and your roommate both accept your own cars, y'all don't need to add one some other on each policy — even if you occasionally use one anothers' vehicles.

Temporarily adding someone to your car insurance

If someone — whether they're a guest staying with you, a babysitter or anyone else — volition be frequently using a car you own over an extended catamenia of time, nosotros recommend adding them to your auto insurance policy temporarily. But the threshold for when it's actually necessary to do and then volition depend on their exact relationship with you lot, how long they'll exist using your car and your specific insurance visitor's policies.

For instance, if you've hired a babysitter for a one-time job and loan them your car, you probably wouldn't have to add them; but if yous employ your babysitter on an ongoing basis and they regularly borrow your car, you likely would.

Contact your insurer to find out whether you should temporarily add together someone to your insurance policy.

How to add a driver to your insurance policy

For most major insurers, including Geico, State Farm and Progressive, you lot can add a driver to your motorcar insurance policy simply by calling your insurance agent or provider; you tin can usually as well add together a driver online.

You'll likely need the following information about your new driver to add them to your car insurance policy, though the exact requirements vary by insurer.

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 commuter to your insurance policy, like if your kid but got their driver'southward license, nosotros recommend that yous shop effectually for a new policy — you might be able to observe cheaper car insurance rates at another company.

Methodology

To understand how adding a driver to a car insurance policy affects rates, we nerveless sample quotes for three chief drivers in Austin, Texas: an xviii-year-erstwhile man, a 30-twelvemonth-quondam man and a 50-yr-former woman.

For each base quote, we likewise collected additional quotes adding ane of two secondary drivers: a thirty-yr-one-time man and a fifty-year-one-time woman.

All sample rates for total coverage insurance were for a 2014 Hyundai Sonata and sourced from Progressive.