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What happens if you add a driver to your car insurance?

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Insuring multiple drivers on the same policy could help reduce your car insurance rates. According to Bankrate’s proprietary rate data, sourced from Quadrant Information Services, married couples with only one vehicle pay an average annual rate of $1,898 for full coverage and $595 for minimum coverage, well below the average of $2,014 per year for full coverage or $622 for minimum coverage that a single driver with one vehicle pays. Understanding car insurance for multiple drivers could help you figure out if a multi-driver policy is right for you.

Key takeaways

  • It may make financial sense to add drivers to your policy rather than those drivers purchasing a policy of their own.
  • Your insurance company may require you to add all household members to your policy, even if they don’t drive your vehicle.
  • Non-household members may not be eligible to be added to your policy unless they regularly drive your vehicle, share vehicle ownership or meet other insurance company requirements.

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Can multiple drivers share a car insurance policy?

Yes, multiple drivers can share a car insurance policy under certain conditions. With most auto insurance companies, you are required to list all household members on your policy if they have a valid driver’s license and access to your vehicle.

Spouses and other household members can share a car insurance policy in many scenarios. In fact, insurance companies usually require policyholders to insure all drivers that live at the address the insured car is stored at so that the carrier is aware of the household risk while insuring your vehicle. If someone you are not related to lives in your household, you may have to add them as a driver depending on how often they drive your vehicle and your car insurance company’s guidelines. For example, a few companies require roommates to be listed, but others do not have that requirement if your roommate has their own insurance policy.

Don’t be surprised if your insurance company requires you to add all licensed (or permitted) household members to your policy, even if they don’t drive your car. This practice is standard for many carriers because anyone with access to your car keys may pose a risk. However, if a household member has their own policy, your carrier might remove them from your policy. For more information, please get in touch with your company directly.

It’s important to note that you cannot add drivers for the sake of consolidating bills or earning discounts. To share a policy, you must have a need to do so, whether from regularly driving the vehicle, shared ownership of the vehicle or your carrier’s requirements. Additionally, while you may be able to add a driver to your policy, you might not be able to add that driver’s vehicle — it depends on how the person is related to you, whether they co-own your car and your company’s guidelines. For more information on multi-car insurance policies, you may want to contact your agent.

With multiple drivers on the same policy, premiums are based on each driver’s risk factors. Insurance companies will pull everyone’s motor vehicle records and claims history to determine overall risk. In turn, insurance companies will calculate a total premium, and you will get one bill to pay.

Best car insurance companies for multiple drivers

The best car insurance companies for multiple drivers may be different for everyone. Getting the best deal on car insurance is based on several rating factors, including driver-specific information such as age (in most states), driving experience, marital status and driving history. The carriers below may be some of the best options based on our holistic evaluation of average car insurance rates for married drivers on one policy.

We also took into account additional metrics about each company, including coverage options, digital presence and things like customer satisfaction scores from J.D. Power and financial strength ratings from AM Best to assign each insurer a Bankrate Score out of a possible 5.0 points. These Scores are designed to give you a quick way to compare insurers as you start your search.

Insurance company Bankrate Score Full coverage premium Minimum coverage premium
Amica 4.4 $1,509 $440
Geico 4.4 $1,317 $370
Liberty Mutual 4.1 Rate unavailable Rate unavailable
Nationwide 3.9 $1,383 $569
State Farm 4.2 $1,475 $462

*Premiums displayed are average annual rates based on married policyholders.


With Amica, you could save up to 25 percent by insuring multiple vehicles and up to 30 percent for buying more than one insurance product from the carrier. Amica also rewards loyalty, offering a discount for staying insured with the company and for children of current policyholders as a legacy discount if they get their own policy with Amica before turning 30. There are several other opportunities for discounts with Amica, like being claims-free or a homeowner. To discuss a quote with Amica, those interested can contact Amica over the phone or by visiting

Learn more: Amica insurance review


With Geico, you can add multiple drivers to your car insurance policy and save up to 25 percent by insuring more than one vehicle on your policy, according to the carrier. Good drivers may save even more, with up to a 22 percent discount for remaining accident-free for five years. Drivers looking to save may want to check out Geico’s entire list of potential discounts, which is pretty substantial compared to many other carriers.

Learn more: Geico insurance review

Liberty Mutual

While it doesn’t advertise the specific percentage off, Liberty Mutual offers discounts both for insuring multiple vehicles and for having more than one insurance policy type with the company. Safe drivers may be eligible for accident-free and violation-free discounts with Liberty Mutual for maintaining a clean record. There are also discounts for having more than one car and your home or renters insurance with the company. Discount amounts vary by state and insurance products purchased.

Learn more: Liberty Mutual insurance review


At Nationwide, the more you bundle, the more you could save. Nationwide offers a multi-car discount, plus a multi-policy discount if you insure your home, renters, boat, life insurance or motorcycle with the company. Eligible drivers may also stack accident-free, good student and safe driver discounts.

Learn more: Nationwide insurance review

State Farm

If you have a young driver in your household, State Farm offers several discounts that might make it more affordable to insure this age group. The Steer Clear program is designed to make drivers more attentive and aware, rewarding them for good driving habits. Students could also get a good student discount if they have a B or above average. You may save up to 20 percent with the multi-vehicle discount and up to $1,107 when combining home and auto insurance with State Farm.

Learn more: State Farm insurance review

How to find cheap car insurance for multiple drivers

One of the best ways to find cheap car insurance for two people or more is to shop around with different carriers. Each company has its own risk guidelines, discounts and rate structures that can change how much you pay for car insurance, especially when insuring multiple drivers. Each person’s driving record and claims history will be reviewed, so if one driver has a risky driving history, it could increase the cost of the entire policy or affect eligibility with a particular carrier.

While there is an increased likelihood of risk, a multiple-driver policy may also make you eligible for more savings opportunities. You may be able to keep the price low with other discounts, like insuring more than one product, being affiliated with an organization, being a safe driver, having low annual mileage and driving a car with safety features. Additionally, if another household member has a clean record and an experienced driving history, it can beneficially impact the rate.

Frequently asked questions

    • The number of drivers you can have on your insurance policy depends on the company. Most companies allow up to a certain amount of vehicles and drivers on a single policy, but if you exceed the number allowed per policy, you can usually get a second policy with the same company. Some providers may allow a higher number of insured vehicles than others. If you are unsure how many drivers or cars you can add, ask your insurance company.
    • Yes, adding a named driver to your policy would affect your insurance premium to account for the named driver’s individual risk factor. Additionally, if the named driver gets into an accident, for instance, the claim would go under your shared vehicle policy, impacting your overall premium.
    • To add another driver to your insurance, call or email your insurance agent or company. If you have online account access or use the insurance company’s mobile app, you may be able to add them there. You will typically need the driver’s full name, date of birth, driver’s license number and reason they are being added.
    • Adding another driver usually affects your rates, but whether or not your auto premium goes up depends on the other driver’s personal factors. In some cases, adding an older driver with a clean driving record could actually reduce your premium, especially if you’re a driver under 25 or someone with infractions on their license.
    • Yes, any driver on the policy who has an infraction such as a speeding ticket on their record typically drives up the insurance premium. You can expect the premium to remain higher for three to five years, which is usually when the infraction surcharge falls off the person’s driving record.

Learn more:

  • The best car insurance companies
  • Compare car insurance quotes
    • Bankrate utilizes Quadrant Information Services to analyze 2023 rates for ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

      • $100,000 bodily injury liability per person
      • $300,000 bodily injury liability per accident
      • $50,000 property damage liability per accident
      • $100,000 uninsured motorist bodily injury per person
      • $300,000 uninsured motorist bodily injury per accident
      • $500 collision deductible
      • $500 comprehensive deductible

      To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2021 Toyota Camry, commute five days a week and drive 12,000 miles annually.

      Married rates were evaluated based on the following marital status: married, 40-year-old married male and female drivers on one policy insuring a 2021 Toyota Camry.

      These are sample rates and should only be used for comparative purposes.

    • Our 2023 Bankrate Score considers variables our insurance editorial team determined impacts policyholders’ experiences with an insurance company. These rating factors include a robust assessment of each company’s product availability, financial strength ratings, online capabilities and customer and claims support accessibility. Each factor was added to a category, and these categories were weighted in a tiered approach to analyze how companies perform in key customer-impacting categories.

      Like our previous Bankrate Scores, each category was assigned a metric to determine performance, and the weighted sum adds up to a company’s total Bankrate Score — out of 5 points. This year, our 2023 scoring model provides a more comprehensive view, indicating when companies excel across several key areas and better highlighting where they fall short.

      • Tier 1 (Cost & ratings): To determine how well auto and home insurance companies satisfy these priorities, 2023 quoted premiums from Quadrant Information Services (if available), as well as any of the latest third-party agency ratings from J.D. Power, AM Best and the NAIC, were analyzed.
      • Tier 2 (Coverage & savings): We assessed companies’ coverage options and availability to help policyholders find a provider that balances cost with coverage. Additionally, we evaluated each company’s discount options listed on its website.
      • Tier 3 (Support): To encompass the many ways an auto insurance company can support policyholders, we analyzed avenues of customer accessibility along with community support. This analysis incorporated additional financial strength ratings from S&P and Moody’s and factored a company’s corporate sustainability efforts.

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