Who Can I Add to My Car Insurance?
Usually, car insurance policies are designed to cover everyone in your household, including your partner or spouse, licensed teenagers, and other relatives who share your home. If a new driver moves into your home, you can add them to your policy. In some cases, you might need to add a non-relative who lives in your home. For example, if you rent a room in your home, you may decide to let your roommate share your car. But if you and your roommate each have an automobile, you’ll likely need separate policies. If you share each other’s cars, ask your insurance agents about the best way to insure the cars.
Who Do I Need to Add to My Car Insurance?
You should add to your policy all people who regularly drive the insured vehicle. A typical car insurance policy would list family members such as a husband and wife, domestic partners, and dependent kids who have driver’s licenses. As a rule of thumb, only list drivers who have permission to regularly use your car. If your teenager gets a driver’s license, you have a couple of insurance options, including adding them to your policy or buying them their own policy. If the teenager goes off to college and takes the insured automobile, you’ll need to notify the insurance carrier. Typically, the insurer will let you keep your college student on your insurance policy even if they attend school in another city. But the move may change your insurance rate since providers set premiums based on location. If your child goes to school in another state, you’ll need to adjust coverage to meet mandatory insurance requirements.
Insuring Drivers Who Don’t Live With You
Your vehicle’s car insurance coverage isn’t completely limited to drivers listed on your policy. The coverage may extend to people who occasionally drive your vehicle and don’t live with you, such as:
A friend who shares the driving with you during a tripA family member or friend who needs to borrow your car for a few days while theirs is in the shop for repairsFamily members or friends who stay in your home, like cousins who visit for the holidays
Your policy likely won’t provide coverage if someone borrows your vehicle to perform paid or commercial activities, nor will it cover people you list on your policy as “excluded” drivers. Whether your auto insurance policy’s coverage extends to an occasional, non-listed driver also depends on if they have your permission to drive the car.
Permissive Use
Car insurance policies usually only extend coverage to drivers who have your permission to use your vehicle for a short period. Typically, permissive use extends the full coverage of the policy, unless the policy includes a provision that limits coverage on borrowed cars. So if your car is stolen while your friend is using it and you carry comprehensive coverage, your policy will likely cover the loss.
Non-Permissive Use
If someone takes your car without permission, they likely aren’t covered by your policy. For example, if your teenager’s friend drives your car without permission and totals another driver’s vehicle, they—not you—are liable for the damages.
Can I Add Someone to My Car Insurance Who Doesn’t Live With Me?
Providers usually don’t allow you to add a non-related driver to your policy who doesn’t live with you. Typically, car insurance covers the vehicle’s owner and family members in the same household. Adding a driver who doesn’t live with you gets complicated and often depends on your insurer and state insurance laws. A common exception to this rule is that insurers will allow adult children to remain on their parents’ auto insurance policy when they go off to college and take a family car. However, some insurers may tack on additional fees after the adult child reaches a specific age. And if the college-bound dependent purchases their own policy, they can’t remain on the parent’s plan. When a child goes away to college with a family vehicle, ask your insurance agent about how it will impact your coverage.
What Happens When I Add Someone Else to My Policy?
Adding someone to your auto insurance policy isn’t something you should take lightly, because you could face unexpected consequences. Insurers evaluate the risk that they’ll have to pay a claim, so consider each driver carefully before listing them on your policy. For example, if you add a roommate to your policy who has bad credit, a history of filing insurance claims, or a history of traffic violations, your rate could increase.
