Car Insurance Is there an additional cost associated with adding drivers to my policy? When it comes to adding drivers to your auto insurance policy, there can be an additional cost involved. 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 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. 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