Can I add a driver to my family car insurance?

Adding a driver to your family insurance is simple if you already have a policy, all you need to do is contact your insurance company. However, adding a driver to your family policy may cause rates to increase depending on their record.

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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: Jan 25, 2021

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Here's what you need to know...

  • When you already have an insurance policy and a family member needs to be added, all you have to do contact your insurance company
  • Once you provide the new driver’s information, they will be covered immediately.
  • Don’t forget that your insurance policy premium will most likely increase by adding a person

The following article will provide more information about adding a driver including factors that can make your insurance premium cost higher and factors that can make your premiums lower.

To make sure that you have the cheapest auto insurance rates be sure to enter your zip above for a free auto insurance comparison!

How Family Car Insurance Policies Work


Is it cheaper to add someone to your insurance? Family car insurance policies can save a family money on their overall insurance needs.

A family car insurance policy will cover everyone in the family as long as their name has been added to the policy. This includes all the vehicles in the family.

Do you have to list all drivers on insurance? The best way to save money through a family car insurance policy is to make wise decisions.

  1. Choose the adult in the family with the most positive driving record to be the primary driver on all vehicles. Even if others drive the vehicle just as much, it is okay to choose a primary driver.
  2. Add the additional family members. Keep in mind that things like speeding tickets, at-fault accidents, or a DWI can send premium rates through the roof.
  3. Limit certain drivers on certain vehicles. If you are insuring a teenager and an SUV, putting the teenager on the policy will make your insurance rates much higher.
  4. Remember that limiting a high-risk driver to the vehicle that is the oldest or least valuable will decrease your rates.
  5. As the owner of the policy, you need to be responsible to keep the policy and your name in good standing. You don’t want to allow your premium rate to go so high that is no longer affordable.

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Factors Lower (and Increase) Family Car Insurance Rates

If you are adding a teenager, check with your insurance company about factors that make rates cheaper.

Many car insurance companies will offer a discount for each quarter that a student maintains good grades. Make sure you know the requirements before counting on the discount.

Another way to lower your premium rates when adding a teenage driver is to have the teenager take a defensive or student driver education course.

Student driver education courses are often offered through the student’s high school. If not, they can be found at community centers, the local sheriff’s department, or through driving schools.

Even if you have to pay for a student to complete a driver’s education course, it will be worth it to receive a discount on insurance.

When choosing a vehicle, be sure you can afford the insurance on that vehicle especially if you are adding any individuals with a negative driving history.

One way to narrow down your choices of car insurance companies is to use an online comparison tool. An online comparison tool lets you look at rates and quotes from several companies before choosing the company you want to get a policy through.

Enter your zip for FREE family car insurance quotes now!

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Enter your ZIP code below to view companies that have cheap car insurance rates.

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