Advantages of combining insurance

  1. Combining policies means more savings:

    Sharing one policy is usually cheaper than paying for two, as you'll split the cost of certain coverages.

  2. Your roommate's great driving record may improve your rate:

    If you've had violations or accidents, your roommate's clean driving history could help offset an increase in cost.

  3. You're all covered when driving each other's cars:

    No need to let your insurer know who's driving what or when.

  4. Multi-car discount:

    Many insurers, including Progressive, offer multi-car discounts. Your car + your roommate's car = a discount that you now have and didn't when you were on separate one-car policies.

  5. Convenience:

    It's easier to manage a single policy than two.

How to add a roommate to your policy

Progressive customers

Make sure you have this info handy. To add your roommate, we'll need their date of birth, vehicle identification number, driving history, and license information.

or call us at 866-749-7436 to add a driver.

Non Progressive customers

Just get a car insurance quote online or call us at 866-749-7436.

See the savings!

Compare your old rate plus your roomie's old rate to your new, combined rate.

Keep in mind that adding your roommate will typically raise the cost of your policy, but it will likely be a lower price than the combined cost of two separate policies. This is the reason married couples share a policy, and it can work the same way for you and your roommate.

Remember, if your roommate has a poor driving record, they are benefitting the most from being added onto your policy. Also keep in mind, that if they do have a poor driving record, it will raise your overall cost, and you may end up paying more to combine. You can always get a quote to see the exact cost.

How coverages work with your roommate

Here's a refresher on common coverage situations if you combine policies

Your roommate drives your car and damages it

It's covered if you added comprehensive or collision for your car. You'll just have to pay the deductible. FYI: You add comprehensive and collision specific to each car, not each driver.

See more on car insurance deductibles, comprehensive, or collision.

You drive your roommate's car and damage it

Similar to above, it's covered if comprehensive and collision were added.

Your roommate drives your car and hits someone else

They should be covered. If they're at fault, any damages they cause to other cars, property (mailboxes, phone poles, etc.), and others' injuries should be covered by bodily injury and property damage liability. This coverage comes standard and extends to all drivers on the policy, no matter what car they're driving. The same limits apply.

Your roommate is automatically covered if they're on your policy.

You drive your roommate's car and hit someone else

Exact same as above.

How coverages work if you have separate policies: Similar coverage situations would apply, but everything gets much more complicated. For example, your roommate is driving your car and they hit someone else. Chances are, they're covered. But, which company handles the claim can vary based on the accident, damages and who is officially at fault.

FAQs for insurance with roommate

How should we split the bill?

Once you and your roommate decide to share a policy, the next question is inevitable: Who pays what?

Most insurers, including Progressive, will provide a breakdown of the cost per vehicle, so you and your roommate can easily see who owes what per vehicle. Dividing up the cost per driver of certain coverages, such as liability, will be more complicated, as that's essentially shared for all drivers on the policy. The easiest way (and the way with the least arguing) is to split it in half. If you want to get precise and complicate things, you could have the person with more accidents and violations pay a bit more. After all, that's usually the biggest factor in your price and that person is more expensive to insure. Ultimately, it's up to you and your roommate to decide what's best. And don't forget that whatever you choose will most likely be a less expensive option than paying for separate policies!

Who qualifies as a roommate?

You can combine insurance with anyone you live with, including a friend, sibling, relative, fiancé, significant other, spouse, or just someone who shares your living space (at Progressive, if you're married, you are required to share a policy with your spouse). Also, you can combine with two, three, four, or more roommates.

If your roommate keeps their car at a different address, then unfortunately, you can't combine policies. Both cars must be listed at the same address.

You can combine insurance with anyone you live with.

Is my roommate automatically covered under my policy?

If you've given your roommate permission to drive your car, then they're likely covered by your policy. If your roommate is driving your vehicle on a regular basis (even if you still have two separate policies), they should be listed as a driver on your policy.

Can my roommate stay on my policy after they move out?

Your former roommate will need their own policy to cover their vehicle. Because their vehicle is garaged at a different location, it can't be covered on your policy.