Car Insurance Can I add a river with a poor driving record to my policy? By Insure.com's Editor | Updated on August 18, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. You can add a driver with a poor driving record to your policy. However, there are a few things to consider. First, check with your insurance provider to see if they allow adding such drivers to your policy. Adding a driver with a poor driving record may result in higher insurance premiums due to the increased risk. Key Takeaways Adding a driver with a poor driving record to your insurance policy is feasible but has considerations. Costs may increase due to higher insurance premiums linked to increased risk perception. Coverage options might be limited, potentially requiring specific plans or higher deductibles for drivers with poor records. Things to consider: Adding a driver with a poor driving record to your policy There are a few things to consider before adding a driver with a poor driving record to your policy. Cost: Adding a driver with a poor driving record can increase your insurance premiums. Insurance companies view drivers with a history of accidents or violations as riskier, which might lead to higher costs. Coverage: Some insurance providers might offer limited coverage options for drivers with poor records. You might have to opt for specific coverage plans or higher deductibles. Eligibility: Check with your insurance company to ensure they accept drivers with poor records. Some insurers might have restrictions or guidelines regarding who can be added to a policy. Policyholder responsibility: Remember, as the policyholder, you could be financially responsible for any accidents or claims involving the driver you add. Be sure you’re comfortable with that responsibility. It’s a good idea to shop around and compare quotes from different insurance companies. Some might offer more competitive rates for drivers with poor records than others. Read our guide to adding drivers to car insurance. Final thoughts Adding a driver with a poor driving record to your policy is possible, but it’s important to weigh the potential costs and risks. Consider reaching out to your insurance provider to discuss your options and get a clear understanding of how the addition might impact your coverage and premiums. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes