Yes, most all insurance policies require you to inform your insurance provider of all licensed household drivers so you should tell your agent that your daughter has obtained her driver's license. Normally this will mean that she will need to be added to the policy and be rated as a driver.

Insurance company guidelines differ but in general insurance carriers will require you to list all licensed drivers in your household on your insurance policy. Since you daughter has received her license your auto insurance provider should be notified and they will tell you if you are required to add her or not, most likely you will need to add her in order for her to have coverage.

An insurer is permitted to consider all resident operators of an insured vehicle in rating of an auto insurance policy. This includes your child, even if he or she has only a learner's permit.

Insurance companies in are usually permitted by state insurance laws to use classifications that reflect a possible exposure for liability on the part of the insurer, in the event that bodily injury or property damage occurs due to that child's operation of the vehicle.

It is good that all of your cars are insured however without notifying your insurer about your daughter being licensed she may not be property covered by your policy. While your friend may be able to borrow your vehicle without being added to your insurance, household members with licenses usually do need to be added so that the person will be properly insured.

If you do not inform your insurance company about your daughter being licensed and she is not added to the policy then she may not be covered if in an accident. Or we have heard of situations in which the child would be covered for the accident but only after you have paid the premiums that should have been paid for your daughter to be on the policy and properly covered.

You can contact the Indiana Department of Insurance to find out if there are any specific state insurance laws that require you to add your daughter to your policy. You should also read through the terms of your policy to see if it states that you must inform them of any household members that are licensed. You can get free auto insurance quotes here with us as well to see how much it would be to have your daughter on a policy.