Adding an experienced driver with a clean record to your car insurance policy typically will not cost you more money. However, if you add a driver to your policy who has recent accidents or traffic violations, the insurance company may charge you more. How much more will depend on how risky the insurance company considers the additional driver to be.
If you're a young driver and you add your parents, who have a clean driving record, to your policy, you will typically pay less than you would if you left them off your coverage. If you are a parent and you add your young driver to your policy, it will likely cost more to insure him or her on your policy. Teens and young drivers, typically under age 26, are considered high-risk drivers by insurance companies, so they pay higher rates than other age groups.
What will insurers need to know about the additional driver?
When adding a driver, your car insurance company will typically want to know the following about the person you are adding to your policy:
- Marital status
- Accident and moving violation history
Who should be listed as an additional driver?
Anyone who lives in the household or uses the vehicle frequently should be listed on your policy as a driver.
How is the driver added to your policy?
You can add a driver to your policy at any time by calling your insurance company and providing the information.
The additional driver will be deemed a "named driver." That means he or she is covered by your policy as an occasional driver, but you will be the primary driver, or the one who drives the car most of the time.