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To add a driver to your car insurance policy, call your car insurance company directly or update your policy online. You will simply need to provide your insurer with the new driver’s personal information, including their date of birth, Social Security number, and occupation. Some insurers may also want to know about the length of the individual’s driving record and any recent tickets or accidents.
How to Add a Driver to a Car Insurance Policy, by Company
| Company | Able to Add a Driver Online? | Phone Number to Add a Driver |
When to Add a Driver to Your Insurance Policy
In general, it’s a good idea to add a driver to your insurance policy if they live with you, have a driver’s license, and have regular access to your car. Once you add the driver, you may see an impact on your insurance rates, depending on the person’s driving history. If the person you’re adding is considered high-risk, you could see your premium spike.
If someone who doesn’t live with you is going to use your car a handful of times with your permission, then you do not need to add them to your insurance policy. Most insurance policies cover permissive use, meaning that your coverage will apply to most drivers you allow to borrow your car. However, exceptions to permissive use usually include drivers who live in your household (who should be added to the policy) and drivers you have specifically excluded from your policy.
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Car insurance for a 17-year-old is $2,647 per year for minimum coverage, on average. Seventeen-year-old drivers pay even more for full coverage, which typically includes comprehensive and collision insurance in addition to the state's minimum requirements.
Seventeen-year-olds pay more for car insurance than older, more experienced drivers because insurers consider them to be high-risk, meaning they're more likely to file a claim. Because the cost of coverage for 17-year-olds is so high, it's important to...
read full answer by Candace Baker, Car Insurance WriterCan someone drive my car and be covered on my insurance?
Yes, someone can drive your car and be covered on your insurance if you give the driver permission to use your car and they are not excluded from your policy. Car insurance typically follows the car, not the driver, so your policy will still apply if the person using your car gets into an accident. This is often referred to as permissive use.
When Permissive Use Does Not Apply
- You have a non-standard auto insurance policy that excludes anyone...
How much does it cost to add a driver to car insurance?
Adding a driver to a car insurance policy can cost as little as $0 extra, or it can add as much as 100%+ to your annual premium. The exact cost of adding a driver to an existing policy depends on the person you’re adding, whether you need to insure an additional vehicle, and which car insurance company covers you. The riskier the additional driver is to insurers, the more it will cost to add them...
read full answer by Anamarie Waite, Car Insurance WriterDid we answer your question?
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