Is there an additional cost associated with adding drivers to my policy?

Why you can trust Insure.com

Quality Verified

At Insure.com, we are committed to providing the timely, accurate and expert information consumers need to make smart insurance decisions. All our content is written and reviewed by industry professionals and insurance experts. Our team carefully vets our rate data to ensure we only provide reliable and up-to-date insurance pricing. We follow the highest editorial standards. Our content is based solely on objective research and data gathering. We maintain strict editorial independence to ensure unbiased coverage of the insurance industry.

When it comes to adding drivers to your auto insurance policy, there can be an additional cost involved. The amount you’ll have to pay varies based on several factors such as the driver’s age, driving history, and the insurance provider. 

Age and experience impact insurance cost

If you’re adding a younger, less experienced driver, like a teenager, to your policy, it could significantly increase your premiums. On the other hand, adding an older, more experienced driver to your policy may have a minimal impact on your premiums.

Driving history affects car insurance rates

If the driver you’re adding has a clean driving record with no accidents or violations, the additional cost might be relatively low. However, if the driver has a history of accidents or traffic violations, it could lead to higher premiums when adding them to your policy.

Types of coverage influence car insurance premiums

The type of coverage you have also affects the additional cost. Adding a driver to a full coverage car insurance policy may result in higher premiums compared to adding them to a basic liability-only policy.

Final thoughts

Each insurance company has its own pricing structure and guidelines for adding drivers. Compare quotes from different providers to find the best option for your specific situation.