You will need to check with your insurance company to find out if they will allow you to add your niece as a driver or if she will be covered to drive your car occasionally as the policy currently is written. Since she does not live in your household it will be up to your insurance company's underwriting rules to determine if she can be added to the policy or not.

Your insurance agent should also be able to tell you if she would be covered if she was in an accident without being added to the policy. I am assuming that since your car is leased that the "both types of insurance" that you are referring to is the state mandated liability plus physical damage coverages of collision and comprehensive. So you will want to check to make sure these coverages will extend to your niece when she borrows your vehicle to drive to work or school.

If your niece gets her own vehicle and needs insurance for it, she can get an affordable automobile insurance quote for Pennsylvania here with us.