Yes, you can typically add someone to your car insurance for a week, but it's not as simple as a one-week policy. The standard method is to add them as a occasional driver to your existing policy for the period they'll be driving, and then remove them afterward. However, this process involves your insurer recalculating your premium for the entire term, which could lead to a higher bill even after the person is removed.
For a truly short-term solution, inquire about a non-owner car insurance policy for the other person. This type of policy provides liability coverage for someone who drives vehicles they don't own. Alternatively, if the person has their own insurance policy, it might extend permissive use coverage, protecting them (and you) when they occasionally drive your car. This is often sufficient for a one-off situation without formally adding them.
The main factors insurers consider are the driver's age, driving record, and your relationship to them. Adding a young driver with a poor record, even for a week, will significantly impact your premium more than adding an experienced driver with a clean history.
| Factor | Impact on Premium & Process | Best For |
|---|
| Driver's Age & Record | A teen driver or one with violations causes a larger premium increase. | Long-term planning for frequent drivers. |
| Non-Owner Policy | Provides liability coverage for the driver, not your car. Avoids changes to your policy. | Someone who frequently borrows different cars. |
| Permissive Use | Usually covered for infrequent, short-term use without formal addition. | A single, short trip by a driver with their own insurance. |
| Formal Addition to Policy | Most comprehensive coverage but can be administratively cumbersome for a single week. | A family member living with you or driving your car regularly. |
Contact your insurance agent directly to discuss the specific circumstances. They can outline the most cost-effective and compliant option for your situation, ensuring there are no gaps in coverage.
