Yes, you can and often should add a named driver to your car insurance policy. It's a standard procedure that informs your insurer about other regular drivers of your vehicle. Failing to list a household member who frequently drives your car, like a spouse or a teenage child, can be considered "material misrepresentation" and could lead to a claim being denied or even policy cancellation. The process is typically straightforward and can usually be done online or with a quick phone call to your insurance provider.
The primary factor affecting your premium is the risk profile of the additional driver. Adding an experienced driver with a clean record might not change your premium much, or could even lower it. However, adding a young or inexperienced driver (typically under 25) or someone with a history of accidents or violations will almost certainly increase your cost because insurers statistically view them as higher risk.
| Scenario | Typical Impact on Premium | Key Considerations |
|---|
| Adding a spouse with a clean record | Minimal increase, or even a slight decrease | Consolidating policies may qualify for a multi-car discount. |
| Adding a teenage driver | Significant increase (often 50-100% or more) | Good student discounts can help offset costs. |
| Adding a senior driver (70+) | Moderate increase | Varies based on driving record and health. |
| Adding a driver with a recent at-fault accident | Substantial increase | Some insurers may refuse to cover them. |
| Adding a driver with a DUI conviction | Very high increase or potential denial | Non-standard insurance may be required. |
| Adding a friend who does not live with you | Usually not required | They are typically covered under "permissive use." |
It's crucial to be honest about who drives your car. "Permissive use" clauses generally cover occasional drivers, like a friend borrowing your car for an afternoon. However, if someone lives with you or drives your car regularly, they need to be named on the policy. When in doubt, the safest approach is to call your insurer and discuss your specific situation to ensure you have the correct coverage and avoid any potential issues down the road.
