Car Insurance Why and when to add drivers to your car insurance If you have family members who live with you and share your car, it’s a good idea to add them to your 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. When you have a car insurance policy, it typically covers the primary driver named in the policy. However, there are situations where you might need to add additional drivers to the policy. These are people who might occasionally use your car. Adding drivers to your policy ensures they’re covered in case of an accident or any unforeseen circumstances. When should you consider adding additional drivers to your car insurance? If you have family members who live with you and share your car, it’s a good idea to add them to your policy. This includes spouses, children, or other household members who can access the vehicle. Besides, if you frequently lend your car to friends or relatives, it’s wise to include them in your policy. This prevents coverage gaps if they’re in an accident while using your vehicle. Benefits of adding additional drivers to car insurance Adding drivers to your auto insurance policy ensures that everyone who drives your car is protected by your insurance coverage. This helps when the primary driver isn’t present during the incident. Some states require all drivers who use a vehicle regularly or occasionally to be listed on the insurance policy. Adding drivers keeps you compliant with local regulations. Final thoughts Adding drivers to your car insurance policy is important to ensure comprehensive coverage and compliance with legal requirements. It protects everyone who drives your car and simplifies the claims process. Contact your insurance provider to discuss adding additional drivers and find out about any change in cost or coverage. 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