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When it comes to car insurance, the question that frequently arises is whether it covers the car or the driver. To put it simply, car insurance primarily covers the vehicle, but there are exceptions and additional factors to consider. In this article, We’ll also explore common scenarios where you might wonder if car insurance follows the vehicle or the person. Let’s get started!

Drivers insurance vs. car Insurance

What is drivers insurance?

Drivers insurance, or driver-specific insurance, refers to coverage that is tied to an individual rather than a vehicle. If you have drivers insurance, it means you’re protected no matter which car you’re driving. This type of coverage is common in some countries and can provide peace of mind when you drive different vehicles.

 What is car insurance?

On the other hand, car insurance is tied to the vehicle itself. It provides protection for the car, regardless of who is behind the wheel. Car insurance is a requirement in many places and typically focuses on the vehicle’s safety and repair costs.

In summary, drivers insurance covers the person driving, while car insurance covers the vehicle.

 Is the car insured or the driver?

You might be wondering whether your car insurance policy primarily covers the car or the driver. In most cases, car insurance primarily covers the car. However, it’s essential to remember that some exceptions exist, such as “named driver” policies, which cover only specific drivers and not anyone else.

In general, if you have car insurance, the vehicle is insured, and it is this insurance that you’ll turn to in the event of an accident or damage to the car.

Does car insurance follow the car or the driver?

Car insurance typically follows the car. This means that if you lend your car to a friend or family member, your insurance should still cover any accidents or damages that occur while they’re driving. It’s the car, not the driver, that’s the primary focus of car insurance.

However, the driver’s insurance can also play a role in certain situations, especially if they have “non-owner car insurance” or are driving a vehicle they don’t own. This type of coverage can fill gaps if the car owner’s insurance isn’t sufficient.

Insurance follows the car

It’s a good rule of thumb to understand that insurance follows the car. If you’re the owner of a vehicle, your car insurance policy is responsible for covering the car, regardless of who’s driving. This concept applies in most cases, whether you’re driving the car or someone else is borrowing it with your permission.

Adding drivers to a car insurance policy

If you want to ensure that additional drivers are covered when they use your vehicle, you can add them to your car insurance policy. When you add a driver, your insurance company will consider factors like their driving history and age when determining the new premium.

As per study, the typical annual cost for your individual car insurance policy amounts to $1,693. However, once you include a 16-year-old on the policy, the expense surges to $3,960, representing a substantial average increment of $2,267!

Keep in mind that adding riskier drivers might increase your premium significantly.

Parent’s own policy costCost when 16-year-old added to parent’s policy$ Difference

Other considerations

Rental cars and coverage

When renting a car, it’s essential to understand how your existing car insurance policy applies. In many cases, your personal car insurance provides coverage for rental vehicles. However, you should always check with your insurance provider to confirm the details.

Borrowing or lending a vehicle

If you lend your car to a friend or family member, your insurance should typically cover them, assuming they have your permission to use the vehicle. But be aware that if they have a history of accidents or a suspended license, your insurance rates could be affected.

The role of primary and secondary drivers

When adding drivers to your policy, they may be classified as primary or secondary drivers. Primary drivers are the main users of the vehicle and should have the most accurate information listed. Secondary drivers may use the car less frequently but are still covered.


Understanding whether car insurance covers the car or the driver is crucial for making informed decisions and ensuring you have the right coverage in place. Remember that, in most cases, car insurance primarily covers the vehicle, but the driver’s insurance can come into play in specific situations. If you have any doubts or need more information, don’t hesitate to reach out to your insurance provider to clarify your policy details.