How does car insurance cover additional drivers?

Most people driving your car are covered, but some policies differ on unlisted drivers.

Last updated:

Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

Your car insurance company should cover other drivers, but you may need to list them on your policy to receive protection. While some companies cover friends or family even if they’re not named, not every company allows this benefit. In the worst-case scenario, you could be responsible for damage after an accident happens.

Does car insurance cover additional drivers?

Yes, but coverage varies based on your car insurance company and whether the driver is named on your policy. You might find one company that covers a friend driving your car every once in a while. But another provider might only protect named drivers on your policy, especially if they live with you and there’s a reasonable chance they might borrow your car.

Do I need to list everyone that drives my car?

Most of the time, you should list all drivers who regularly use the car to avoid receiving a denied claim. You may pay a higher premium to offset the risk of another driver. Drivers listed may include:

  • Roommates
  • Family members living in your house
  • Additional owners on the car’s title
  • Friends who drive your car regularly – varies by insurance company

Does my car insurance cover unlisted drivers?

In most cases, yes. Many policies include a statement or clause that protects unnamed drivers if you give them permission to drive. In this case, a friend or family member who doesn’t live with you could get coverage in an accident.

If your policy doesn’t include this statement, you could be held responsible for accidents as the car’s owner. If you’re not sure about adding a driver, you can find out whether to name them on your policy from your car insurance company.

When in doubt, avoid unwanted costs or denied claims by refusing to let an unnamed driver get behind the wheel.

How does car insurance work if an unlisted driver gets in an accident?

If an unnamed driver gets in an accident with your permission to drive, your car insurance will likely act as the primary coverage and the driver’s as secondary insurance.

Keep in mind that some insurance companies don’t cover drivers not named on your policy. In this case, the driver’s insurance might pay or you might get left with damage expenses out of pocket. If your car was stolen, your insurance company should cover the damage under comprehensive coverage if you bought that protection.

How do I add an additional driver to my car insurance?

To add another driver when buying a new policy, you can enter that driver’s information in the driver section of the application. Your premium will reflect the risk of that driver and any others on the policy.

If you have car insurance, you can follow a few steps to add another driver to your policy:

  1. Phone customer service about adding the new driver.
  2. Tell customer service the driver’s name, driver’s license number and driving history.
  3. A representative should add the driver to your policy and confirm any changes in your premium.

Or you can add the additional driver online:

  1. Log in to your customer account and choose to edit policy details.
  2. Enter the driver’s information and save the changes.
  3. Accept your updated premium and finalize the change.

Compare car insurance policies.

Name Product Roadside assistance New car protection Accident forgiveness Safe driver discount Available states
All 50 states
Choose from a long list of discounts and coverage for almost any driver.
All 50 states
Customize your policy and get quotes online in minutes. Many drivers could save up to $500 by switching.
The AARP Auto Insurance Program from The Hartford
All 50 states & DC
Enjoy exclusive savings and benefits designed for drivers at least 50 years old.
Find basic coverage and low rates through its easy online or app-based experience.
Pay-as-you-go rates based on how much and how well you drive start at $29/month plus pennies per mile.
All 50 states
Enjoy having your own dedicated agent to help you get the best discounts and coverage.
Liberty Mutual
All 50 states
Build a policy online or with local agent support, with features like better car replacement and accident forgiveness.
Motion Auto
Get instant coverage and track your driving over time to lower your rates.

Compare up to 4 providers

Bottom line

Most of the time, you can cover other drivers by giving them permission to use your car or by adding them to your policy. But adding another driver could change your premium. You can compare car insurance providers for a deal that works best for you.

Questions about adding drivers to car insurance

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and Terms of Use.

Questions and responses on are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site