How to Add Your Step-sibling to Car Insurance

You can add a step-sibling to car insurance policy just like any other driver. Adding your step-sibling to your car insurance company's driver list may impact your car insurance rates. Some car insurance companies provide coverage for adults living in your home over 25 with a valid driver's license. You can also choose to exclude them, but once you do so, they cannot drive your vehicle under any circumstances.

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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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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®

UPDATED: May 26, 2021

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Here's what you need to know...

  • You can add any driver to your car insurance policy, including your step-sibling
  • Adding your step-sibling to your policy may impact your insurance premiums
  • Your step-sibling’s own car insurance may cover him or her when driving your vehicle

If you have questions about who can be added to your car insurance policy, the best way to get started is to speak to your car insurance agent.

Even if your step-sibling does not reside with you, he or she can be listed as a driver on your auto policy if they regularly use your vehicle.

Some car insurance companies put restrictions on who can be added to policies, but for the most part, this only involves people that have been excluded or have restricted driving privileges.

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A driver doesn’t have to live with you, be a member of your family, or even be listed on the title of your car to be added to your car insurance policy.

Anyone that has a learner’s permit or a driver’s license has the ability to be added to your car insurance coverage.

Putting your step-sister on your car insurance policy is the safe and responsible thing to do if you want her to be able to drive your car without the liability for any damages she may cause falling on your shoulders.

If I add my step-sister to my car insurance will my rates go up?

In many cases, when a driver is added to an existing auto insurance policy, the policyholder will see at least a slight increase in rates. The increase itself can range from a few dollars all the way up to several hundred.

If your step-sister is young and has just received her driver’s license, you might see a big rate hike. You can always ask your step-sister to help you offset the costs by chipping in for vehicle maintenance, fuel expenses, and car insurance costs.

Sometimes adding another driver onto a car insurance policy can actually cause rates to go down. In the event that your step-sister has many years of experience as a driver and has a clean driving record, your car insurance company may respond by giving you a reduction in rates.

You will have to wait and see how your car insurance premiums are impacted until after you receive a price quote.

You can use websites like the California Department of Insurance to find out what to look for in a good car insurance company.

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What if my step-sister allows someone else to drive my car?

When you decide to let anyone else drive your car, you have to accept the fact that your vehicle can end up in unexpected places.

This is why you should only let responsible people operate your vehicle and only add experienced drivers onto your car insurance policy.

You can visit Kelley Blue Book to see approximately how much your car is currently worth, but remember that having an unauthorized driver behind the wheel of your car can cost you more than just the replacement of your vehicle.

Many things can happen as a result of your step-sister letting someone else drive your car.

  • If the unauthorized driver gets into an accident, you have to pay for all of the damages.
  • You might be taken to court and your car insurance company might drop your coverage.
  • Your car could be towed and impounded and you might even have your license suspended.

If you suspect that your step-sister might be allowing someone that you have not authorized to drive your car, it is best if you stop letting her take your car altogether.

Do you have to add your step-sister to your policy if she has her own coverage?

When you buy a car insurance policy, you likely do so because you want a specific vehicle to be protected. An additional benefit of having auto coverage is having the ability to use it when you drive a car that does not belong to you.

If your step-sister has her own auto policy, she will not need to be added to your policy in most cases. You can have her call her auto insurance provider to confirm this.

Some insurance companies automatically provide coverage to drivers that are 25 years old and above with a valid license.

It is your responsibility to ensure that your step-sister’s license is valid each and every time she operates your car.

Should you ever need to submit an insurance claim, you want to make sure that you will be able to get it approved.

If your step-sister has an accident while not being covered by any auto policy or without a valid license, you may not be able to maintain your coverage and may have trouble getting a new car insurance policy.

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