In Connecticut, like many states, insurance typically follows the vehicle first and driver second. So if your daughter gives permission to a friend to drive her vehicle that person is usually covered by her insurance, unless specifically excluded in her policy.

There is a catch with your daughter's situation though, instead of it being a deal with just letting a friend borrow her car, the friend lives with her. Normally, most insurance will require all household members that are licensed to be listed on a policy. Thus if your daughter and her friend are both living at the same residence she will need to inform her insurance carrier of this and likely have to list him on her policy so that he will be properly covered if driving her car.

Let us give your daughter or her friend a CT cheap car insurance quote.