Can you add someone to your insurance as an occasional driver?

Written by:

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions. When not writing, you can find her reading a book or watching anime.

Reviewed by:

Laura Longero

Executive Editor

Laura Longero is an insurance expert and Executive Editor at CarInsurance.com, where she specializes in helping consumers navigate the complexities of the financial and insurance industries. She has 15 years of experience educating people about finance and car insurance. Prior to joining CarInsurance.com, she worked as a reporter and editor at the USA Today Network. Her expertise provides readers with practical guidance, helping them make informed choices about their financial and insurance needs.

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It is important to inform the insurance company of anyone that may operate your vehicle even if on an infrequent basis. You should contact your insurance agent or insurance company to determine what their procedure is for adding a driver.

It depends on the insurance company, their guidelines, and their rating systems if someone can be listed as an occasional driver on your vehicle.

Not all insurance carriers rate using an occasional driver or primary driver. An occasional driver is typically rated at a lower rate than a primary driver by insurance providers that do have these different designations. Also, it may be possible to have a person listed as the primary on one vehicle but not on all household vehicles.

Regardless of cost, you will need to tell the use defined by your specific insurance carrier of those who operate your vehicle.

You can get a safe auto insurance quote here to see how drivers of different ages with different driving records may affect your premiums.

— Michelle Megna contributed to this story.

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Shivani Gite

Contributing Writer