When should I remove someone from my car insurance policy?

A change of residence

If a person no longer lives with you, you can remove them as a listed driver on your policy. Some insurers may want proof that the person moved (and thus won't have access to drive your vehicles). Learn more about how moving impacts car insurance.

Someone passes away

If a loved one has passed away, you may need to provide the auto insurer with a copy of the death certificate to initiate the change. Learn more about car insurance after the owner dies.

Can you remove someone from your insurance at any time?

If a listed driver on your policy moves out of your residence, you can generally remove them from your auto policy. Depending on the insurer, you may need to provide proof that they no longer live with you. If the person still lives with you, then your insurer may still require them to be listed on your policy.

How do I remove someone from my car insurance policy?

Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Some insurers may require you to contact a representative to remove a driver, and provide proof that the driver no longer lives with you. Since companies can vary on the exact process, check with your insurer for more details.

Excluding a driver vs. removing a driver from your policy

Removing a driver from your insurance policy is not the same as excluding a driver. Depending on the state and insurer, you may be able to list someone you live with as an excluded driver, meaning they won't be driving your vehicles. If the excluded driver has a poor driving record, you may be able to reduce your premium. Excluding them means the insurance company is no longer considering their driving history on your policy.

If an excluded driver or one you have removed from your policy gets into an accident with your vehicle, your policy may not cover the incident.

Does removing a driver lower your insurance rate?

Removing someone from your car insurance policy may reduce your overall rate, but it depends on several factors related to that individual driver. If the driver has a history of insurance claims and accidents removing them from your policy may reduce your rate. On the other hand, your rate could go up if the driver has no history of claims, accidents, or traffic violations.