Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Sep 29, 2021

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Just the Basics

  • Your insurance policy will cover incidental use of your vehicle by drivers who are not on your policy
  • If a licensed driver in your household regularly uses your vehicle(s), you should add them to your insurance policy
  • If an individual is using your vehicle(s) for a set period of time, you can add them to your policy as a temporary driver

An essential part of car safety and laws for driving is having the right insurance coverage. If you have family members or roommates who live with you and use your vehicles, you may be wondering about the best way to handle insurance coverage for them.

Is it bad to add a driver to car insurance? Can I add a car to my insurance that is not in my name? What about adding a driver to car insurance with GEICO? Can you add a roommate or someone who doesn’t live at your address to your coverage?

Read this article to find out if it’s bad to add a driver to your car insurance how to expand your car insurance coverage to include other drivers.

Make sure you’re getting the most affordable car insurance rates for multiple drivers by comparison shopping online. Enter your ZIP code above to compare free car insurance quotes from local companies in your area before you buy.

Should you add another driver to your car insurance?

If a licensed driver in your home regularly uses your vehicle, they should be added to your insurance policy. For example, if you have a teen driver, partner, or spouse, they should all be added to your insurance if they’ll be using the vehicle(s) on your policy.

If you live with a roommate who regularly uses your vehicle, it may be a good idea to add them as a driver on your policy, too, but you’ll need to speak with your insurer to find out the exact requirements for this.

Adding a temporary driver to your car insurance with GEICO or other car insurance companies may be something to consider if an individual will be using your vehicle often (a relative, nanny, etc.).

However, if someone is only an occasional user of your vehicle, you may not need to add them. This is because if someone not on your insurance is driving your car, your insurance will still be the main policy that applies in the event of an accident.

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How much does it cost to add a driver to your car insurance?

The cost of adding another driver to your policy is mainly dependent on how the insurance company views the potential risk the additional driver poses.

Companies will use factors like age and driving history to determine the likelihood of an accident and adjust rates accordingly.

For example, if you’re adding your teenager to your insurance policy, your rates will likely increase because teens are some of the most expensive drivers to insure. However, if you’re adding a 30-year-old with a clean driving record, your rates probably won’t change too much.

What is the best way to add someone to your car insurance policy?

To add another driver to your policy, all you need to do is call your insurance company. You will need to be prepared with the following information:

  • Name
  • Age and date of birth
  • Gender
  • Social Security number
  • Occupation (including if they are a full-time student)
  • The date they received their driver’s license
  • Recent driving history (tickets, accidents, etc.)

In addition to this information, you may need to provide further data, depending on what your insurer requests.

When is it a bad idea to add someone to your car insurance?

As we noted above, if someone is only an occasional driver of your vehicle, it isn’t necessary to add them to your insurance.

If you share a vehicle with someone who does not live at the same address, adding them to your insurance coverage may be challenging. You’ll need to work with your insurance company to find out if this is even an option.

If your roommate or family member(s) has a poor driving record or are considered high-risk, it may not be a good idea to add them to your coverage because your rates may increase dramatically. In that situation, you can request that individual be excluded from your coverage.

Read our guide for everything you need to know about excluding people from car insurance, including who could be excluded and how to initiate the exclusion process, to learn more.

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Is it bad to add a driver to your car insurance?

Adding a driver to your car insurance isn’t a bad idea if the driver lives in your household and regularly uses your vehicle(s). However, if they’re considered high-risk, you may need to consider how adding them to your policy could affect your rates.

Whether you’ve decided it’s a bad idea to add another driver to your car insurance or not, it’s always a good idea to comparison shop to make sure you’re getting the best rates. Enter your ZIP code below to start comparing car insurance rates from local companies for free.