Can I add someone to my car insurance for a week?

Permissive use insurance allows others not covered by your car insurance to occasionally drive your car, as long as they have permission. Read on to learn more about how permissive use auto insurance works.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Written by Laura Berry
Former Insurance Agent Laura Berry

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP® Joel Ohman

UPDATED: Jun 20, 2022

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Here's what you need to know

  • Permissive use insurance covers someone driving your car if they only drive it occasionally with your permission, and they are not covered explicitly by name or as a household member
  • This type of coverage applies to neighbors, friends, and relatives that don’t live in your household
  • Permissive use covers the other driver for a maximum of 12 times per year

With permissive use insurance, if your neighbor needs to borrow your car while theirs is being repaired, you can rest assured that they’re covered. However, it’s important to note that this coverage only extends to occasional drivers. If someone is driving your car regularly, they’ll need to be listed as a regular driver on your policy. It is possible to buy weekly car insurance for yourself, but you shouldn’t need it for someone who is driving your car for only a week.

Permissive Use Car Insurance Makes it Possible to Add Someone to Your Insurance for a Week

Permissive use vehicle insurance allows other drivers to be covered, with your permission, on your insurance policy so they can drive your car for a short period of time. It applies to people who don’t live with you, like neighbors or family friends. Remember, it usually allows the driver to drive your car 12 or fewer times per year. As such, you shouldn’t need to add someone to your car insurance for a day or even for a week.

However, understanding permissive use insurance can be complicated. You’ll want to check with your insurance company to understand its rules and restrictions.

Can I add someone to my car insurance for a week so a friend can drive me around town?

You can ask a friend to drive you around in your car for any reason. Your insurance should cover this driver as they do it occasionally and do not live in your household. So if you find yourself in a situation where you are unable to drive, don’t hesitate to ask a friend or household member to drive you around in your car.

Can I add someone to my car insurance for a week for them to test drive my car?

Understanding what to do with car insurance when selling a car can be difficult. A prospective buyer will likely want to take your car for a test drive when you sell it. This can be nerve-wracking, but you’ll be fine if you have coverage and valid registration for the vehicle.

In that case, you can allow someone to test drive your car due to the permissive use coverage. That means they’re covered for physical damage to the vehicle and any liability losses if they don’t have their own policy. 

So go ahead and let them take your car for a spin — just ensure you have the right coverage in case something happens.

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When would another driver not be covered by permissive use insurance?

There are a few other scenarios where your auto insurance company might deny a claim and not cover another driver. For example:

  • If you let your teen driver use your car without adding them to your policy.
  • Someone drives your vehicle without your permission.
  • Your policy provides limited or no coverage for permissive use situations.
  • Your friend uses your car for business purposes, and your policy doesn’t have a specific endorsement for business use.
  • Letting someone borrow your vehicle for an extended period.

So be aware of these potential risks before allowing someone else to drive your vehicle, causing your insurance rates to increase.

Do all car insurance policies include permissive use car insurance?

Many people are under the false impression that their car insurance policy will cover any driver they allow to operate their vehicle. However, this is not always the case. Most car insurance policies include permissive use car insurance, but others require you to name all drivers on the policy to get the policy’s protection.  

Read your policy details carefully if you’re unsure whether or not your car insurance covers permissive users, or call your auto insurer and ask. For instance, if you want to know the details about the GEICO permissive use policies, you will have to check with them.

Does your car insurance cover occasional drivers?

You don’t have to add someone to your car insurance if they are only driving your vehicle for a short period of time. However, make sure you understand your policy and how the coverage does or doesn’t extend to occasional drivers.

Also, it is recommended to get insurance quotes from several companies to find a good deal for your needs. Research quotes regularly — about every six months — to ensure you are getting the best value insurance. 

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