How do I add someone to my car insurance policy?

Typically, you can either call your car insurance company or log in to your account online to add a new driver to your policy. Your insurance company will typically need the driver's name, date of birth, driving history, license information, as well as their vehicle identification number (VIN) if you also plan to share one policy that covers both of your vehicles.

You can typically make a change to your policy at any time to add a new driver at your residence, such as a teenage child, or a driver that just started driving your car regularly.

Who should I add to my car insurance?

You should add any regular drivers of your car to your insurance policy so that damages from accidents are covered. Also, you can add any drivers that live at your permanent address, and most insurance companies will require it. Some states may allow you to exclude a driver from being covered by the policy.

Here are some common drivers that are added to a policy:

  • Roommate: Roommates may add each other to their policies because they live at the same address. You and your roommate could also share a policy for convenience and potential savings.
  • Significant other: Unmarried couples who live together should add each other to their policies or share one policy. If you don't live together, but your significant other regularly drives your car, then you should add them to your policy.
  • Spouse: Many insurance companies require married couples who live together to be on the same policy.
  • Teen driver or college student: If your teen driver or college student has a valid driver's license or permit, you should add them as a driver on your policy.
    • If your teen drives your car regularly, then they should be added to your policy. This may be necessary even if they're also insured on another auto policy, like another parent's policy.
    • If your college student attends school away from home, then they should be added to your policy if they stay with you and drive your car when home on school breaks.
  • Friend: If you don't live together, but your friend drives your car regularly, then you should add them to your policy.

Should I add someone to my car insurance that doesn't live with me?

Yes, if the person drives your car regularly, then you should add them to your insurance policy.

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

The cost of adding a driver to your car insurance or sharing a policy varies based on factors like your ZIP code, the specific vehicle(s) covered, your relationship with the driver, and the driver's motor vehicle record.

For example, many insurance companies offer a discount if you have a teen driver or a good student listed on your policy. On the other hand, a driver with a history of insurance claims and traffic violations may increase the cost of your policy.

Add a driver to your car insurance policy at Progressive

Current Progressive customers

or call us at 1-866-749-7436 to add additional drivers to your policy.

New Progressive customers

Get a car insurance quote online or call us at 1-866-749-7436 and add any additional drivers that you want listed on your policy.