How to add a car to your insurance policy
To add a car to your policy, you can either update your policy online or call your insurance company. Typically, you just need to provide the vehicle identification number (VIN), license plate number, and the vehicle's make and model. You may also be asked about the mileage and condition of the vehicle, depending on the insurer. Note that some insurers may limit how many vehicles can be listed on one policy.
Which cars can I add to my insurance?
- A new car: Depending on your insurer, you may have anywhere from a week to a month to add a newly purchased car to your policy. In the meantime, the same coverages you had on your old car will typically apply to your new car.
- A used car: Like purchasing a new car, you will typically have a grace period of a week to a month to add your newly purchased used car to your policy.
- A second car: Adding a second, third, or more vehicles is easy. Just make sure you have the necessary info for each vehicle handy before updating your policy.
- Someone else's car: If you and the other vehicle's owner both live in the same permanent residence, and their vehicle is kept at the same residence, then you may be able to add their vehicle as long as they're listed as a driver on your policy.
Important note: All drivers that share the same permanent residence as you should be listed on your policy.
Can I add a car to my insurance that's not in my name?
You can typically add someone else's car to your policy if you also share the same car insurance policy, which typically also requires living together. For example, married couples living together who share car insurance can add both of their cars to their policy, even if the vehicles aren't jointly owned by the couple.
Can someone else insure my financed car?
It generally isn't possible for someone else to insure your vehicle if they don't live with you or you don't keep your vehicle at their residence. However, if you live with the person and are also listed as a driver on their policy, then they could possibly add your financed car to their policy.