Do I have to put my roommate on my car insurance?
No, assuming your roommate won't be driving your car. But, even if your roommate only borrows your ride occasionally, you'll want to add them as a driver on your car insurance. Depending on your insurer, your vehicle may not be covered if your roommate causes damage to your car while driving it and they aren't listed as a driver on your policy.
Depending on your state and insurance company, your agent or insurer may require you to disclose any persons of driving age living at your residence. That means providing the name, age, and license status of your roommate, but they can be excluded from your auto insurance coverage if they don't drive your vehicle.
Pros & cons of sharing auto insurance with a roommate
You and your roommate have the option to share an auto insurance policy if your respective vehicles are both kept at a shared address. If your roommate doesn't own a vehicle but drives your car, you can always add them to your policy as a covered driver and vice versa.
Sharing means savings
Typically, it's cheaper to share one policy instead of paying on separate policies, as you'll split the cost of certain coverages.
Freedom to swap vehicles
You're usually covered when driving each other's cars.
Some insurers, including Progressive, offer a discount for having more than one car on your policy.
If your roommate has violations on their motor vehicle report and/or a lower insurance score , the cost of your policy could increase.
Loss of discounts
You could lose discounts or other incentives for being a safe driver if your roommate's driving record isn't as clean as yours.
Claims on your policy
If your roommate files a claim on your policy, it could affect your car insurance rate in the future.
FAQs for roommates sharing car insurance
Who qualifies as a roommate?
Anyone living at your residence, except for a spouse. It could be a friend, sibling, relative, fiancé, significant other, or just someone who shares your living space.
Is my roommate automatically covered under my policy?
No. Your roommate should be listed as a driver on your policy to ensure coverage. However, if they aren't listed on your policy and you've given your roommate permission to drive your car, damage to your vehicle may be covered depending on the situation.
If we combine policies, how should we split the bill?
Many insurers, including Progressive, will provide a breakdown of the cost per vehicle, so you and your roommate can see who owes what on each car. Dividing up the cost per driver for liability and other shared coverages will be more complicated. It's up to you and your roommate to decide how to split the cost, but the person with more accidents and violations should probably pay more as they're more expensive to insure.
Should I combine policies with my fiancé?
Engaged couples that live together often choose to share car insurance, and the advantages and drawbacks are no different than combining policies with a roommate. Once you're married, you won't have the option for two separate Progressive auto policies—we require you to share a policy with your spouse if you live in the same household.
What happens if my roommate moves out?
Because their vehicle is kept at a different location, your former roommate will need their own policy to cover their vehicle. They can stay on your policy as a covered driver if they still borrow your car, but their vehicle cannot.