Ask the Car Insurance Expert
If I lend my car to a friend, are they covered under my automobile insurance?
Yes, if you give someone permission to drive your car, that person is covered under your car insurance policy. (Except, of course, members of your household you have specifically excluded from your policy.)
If you loan out your car, it’s important to choose your friends wisely. The accidents they cause go on your insurance record, not theirs, and can affect your rates.