Typically, you need to add all drivers who live with you to your car insurance policy. But can you add someone who doesn’t live with you to your auto insurance?
Generally, car insurance companies don’t allow policyholders to add people who don’t live in the same household as them to their policy, but it varies based on the case. Some cases people might want to do this are if you want to add your significant other to your car insurance or if you have children who don’t live with you.
Can i add my girlfriend to my car insurance?
If you’re an unmarried couple living together, you’ll need to add your significant other to your car insurance policy and you may be able to bundle a policy with them. But if they don’t live with you, you likely won’t be able to add them to your car insurance.
If they borrow your car once in a while, they’ll be covered by your insurance. The situation is a little different and more complicated if you have children who don’t live with you.
Who do you need to add to your car insurance policy?
Besides the situations discussed above, everyone who lives in your household typically needs to be listed as additional drivers on your car insurance policy.
If you have a child or other family member who lives with you but has their own insurance policy, you’ll likely still need to add them onto your car insurance because auto insurance providers presume that every licensed driver in the house potentially has access to your car.
If you live with roommates who aren’t related to you and have their own car insurance, you’ll likely need to list them on your auto insurance policy because they live with you and can use your car. This is true for unmarried couples as well.
Unfortunately, this can raise your insurance premiums. If someone in your household is a high-risk driver, you can end up paying a lot more for your auto insurance coverage. High-risk drivers include those who have racked up a lot of infractions on their driving record and teen drivers.
It’s possible for you to exclude a driver who lives with you from your car insurance. This means the driver is listed on your insurance because they live with you, but they are excluded from coverage. This is something to consider if you have a teen driver or someone with a bad driving record in your household who will never have access to your car.
Excluding someone from your policy can be very risky because your car will not be covered for any damages if the excluded driver were to ever need to drive your car, even if they were just moving your car from the street to your driveway.
While the typical rule that you can’t add someone to your car insurance policy who doesn’t live with you seems clear-cut, there are a few situations that can alter the rule, especially if you have teen children who don’t live with you.
In situations in which you’re unsure about your coverage, it’s always best to contact your insurance company or agent to help you because the rules can vary for each company and situation.
If you’ve had an experience with this, share it with other customers by writing a review of your insurance company to help others when making a decision.
Can you keep a child who doesn’t live with you on your policy?
If your child moves out of your house as an adult and lives on their own, he or she will need to have their own auto insurance policy. Your child likely won’t be able to be on your auto policy any longer because he or she doesn't live in your household.
The case can be a little different for divorced parents who have children of driving age. Your child should be listed on at least one parents’ car insurance policy. Typically, the parent who has primary custody is responsible for listing their child on his or her car insurance.
If you have joint custody, whichever parent has the child a majority of the time should list him or her on their insurance. If you’re the parent who isn’t listing the child on your car insurance, your child can still drive your car and be covered by your insurance.
It works just as if you had a friend borrow your car. If your child drives your car frequently, talk to your auto insurance company to see if you can add him or her to your policy.
The situation is a little different if your child has a car. If you own the car and your child primarily lives with you, your child’s car should be on your car insurance policy. However, you may own the title to your child’s car, but your child lives with their other parent.
If you don’t want to sign the car over to your child and have him or her get a separate car insurance policy, you may need to add your child to your car insurance policy. This situation is best handled by discussing it with your insurance agent or company as the rules around it can vary by company.
Can you keep your college student child on your policy?
If you have a son or daughter who is going off to college, you may be wondering what will happen to your car insurance. If your college student is going to live away at college and bring his or her car, you’ll likely still be able to have him or her on your car insurance policy. This is because their permanent address will still be your home.
How can you save money on your car insurance?
Insurance carriers take a variety of factors into account when setting your auto insurance rates. These factors include your age, gender, marital status, credit score, and driving record.
If you or someone in your household has a poor driving record or bad credit, it's all the more important to shop around for auto insurance quotes and look into any discounts you might be eligible for.
Common discounts include the good student discount, safe driver discount, defensive driving course discount, multi-vehicle discount, and multi-policy discount.
Get quotes from at least three different companies before you settle on an auto insurer and ask about any additional discounts you might be entitled to.
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