How To Add Another Person To Car Insurance

Yous'll need to add together someone to your machine insurance policy if they live with you and have regular access to your car: otherwise, y'all run a risk being denied coverage if they get in a crash.

Adding someone to your car insurance does impact your rates, but it won't always have a negative consequence — sometimes, you'll actually salve money, depending on the age and driving history of everyone yous 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 tin go about doing so. We also ever recommend comparing rates from several insurers, as getting multiple quotes is typically the best way to discover savings on car insurance.

The cost of adding a driver to your car insurance
When you need to add together someone to your car insurance
How to add a driver to your insurance policy

The cost of calculation a driver to your car insurance

Adding a driver to your machine insurance policy will accept an impact on your rates. However, it isn't the instance that adding another driver will always raise them — in fact, we plant that depending on who the main and secondary drivers are, adding another driver can actually bring your motorcar insurance costs down by a significant amount.

Observe Cheap Automobile Insurance Quotes in Your Area

To empathize the fiscal touch on of adding a driver to an insurance policy, we collected quotes for three solo drivers — an 18-twelvemonth-old man, a 30-year-sometime human being and a 50-year-onetime woman — and added two different secondary drivers to run into how they would impact rates.

We establish that in almost every case, adding an boosted driver lowered the rates our sample driver would pay. Young drivers can expect to salvage the most: Adding some other commuter to his policy reduced our 18-year-old's rates past more than $500. The just driver who actually paid more when adding an additional commuter is a 50-year-old woman who added a thirty-yr-old human 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 insurance claim. Teens are past far the most likely to get into automobile accidents and take the highest rates, so a motorcar shared by a 30-year-old and an eighteen-twelvemonth-old is less likely to be involved in a crash than one driven exclusively past a teen.

When y'all need to add someone to your car insurance

Y'all need to add someone to your car insurance policy if they reside in your household, have a driver'due south license and take access to your machine.

This can include your spouse, fellow or girlfriend, and any driving-historic period children y'all have. It may likewise include college-age children, depending on how far away they live and whether they drive your automobile while they're home.

Some insurance companies may also require you lot to add anyone who lives with yous simply isn't related to you, like a roommate. Just even if your insurance company doesn't crave it, consider adding your roommate anyhow if they borrow your car even occasionally. If your roommate gets in a crash when driving your vehicle, your insurance company may not encompass the damage if they determine the roommate should take been named on your policy merely wasn't. Furthermore, it may non cost you lot much to add together them to your policy.

When you lot don't need to add together someone to your motorcar insurance

Yous don't need to add other drivers to your car insurance policy if they don't alive with you and drive your auto only occasionally.

For example, if a invitee is visiting yous from out of town and borrows your car while you're at piece of work, they would be protected past your insurance policy'due south "permissive user" clause. This is because the machine insurance policy you have on your vehicle follows the car, non the driver.

This is true fifty-fifty if the other driver is a family unit member. The above example still applies if the guest is your son or daughter, so long every bit their permanent residence isn't your own.

In the case of roommates, you likewise don't need to add them to your policy if they have their own auto and insurance. So if you and your roommate both take your own cars, you don't need to add one another on each policy — even if you occasionally use ane anothers' vehicles.

Temporarily adding someone to your motorcar insurance

If someone — whether they're a guest staying with you, a bodyguard or anyone else — will be frequently using a car you own over an extended period of time, we recommend adding them to your motorcar insurance policy temporarily. Just the threshold for when it'due south actually necessary to do so volition depend on their exact relationship with you, how long they'll exist using your auto and your specific insurance visitor's policies.

For example, if y'all've hired a babysitter for a one-time task and loan them your auto, you probably wouldn't have to add them; just 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 lot should temporarily add someone to your insurance policy.

How to add a commuter to your insurance policy

For nigh major insurers, including Geico, State Subcontract and Progressive, y'all can add a driver to your car insurance policy but by calling your insurance agent or provider; you can usually also add a driver online.

You'll probable need the post-obit information about your new driver to add them to your car insurance policy, though the verbal requirements vary by insurer.

Name
Engagement of nativity
Gender
Social Security number
Occupation
How long they've had their license
Whatever contempo traffic tickets or accidents

If you lot're permanently calculation a driver to your insurance policy, like if your kid just got their driver's license, we recommend that y'all store around for a new policy — y'all might be able to find cheaper car insurance rates at another visitor.

Methodology

To understand how adding a driver to a machine insurance policy affects rates, nosotros collected sample quotes for three primary drivers in Austin, Texas: an 18-year-old man, a xxx-year-old man and a 50-twelvemonth-old woman.

For each base of operations quote, nosotros also nerveless additional quotes adding ane of two secondary drivers: a 30-year-old homo and a l-year-sometime adult female.

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