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Adding a driver to your car insurance can be an exciting time as it is generally related to tying the knot and passing a driver’s license test for a new roommate or teenager. However, what happens to premiums can be irritating or disappointing, depending on how drivers affect the overall risk insurance change. For example, according to data from Quadrant Information Services as of March 2025, couples who share one insurance vehicle pay an average annual rate of $2,495 for full coverage insurance, compared to an average annual rate of $2,678 for a single driver. Conversely, adding a newly approved 16 year old 16 year old can jump to $5,757 a year, with additional risk for married drivers. We outline some general requirements for adding drivers to your insurance policy and identify the top insurance provider picks for multi-driver policies.
Can multiple drivers share car insurance?
Yes, multiple drivers can share car insurance under certain conditions. Most car insurance companies require that all household members, including spouses and children, be listed for the insurance policy if they have a valid driver’s license and access to the vehicle.
If you are not related to your home life, you may need to add them as a driver, depending on how often you drive your car or car insurance company guidelines. For example, some companies need to list their roommates, but if their roommate has their own insurance policy, others do not have that requirement.
Can someone add someone to your car insurance that you don’t live with?
It is important to note that drivers cannot be added to car insurance from outside the home unless they drive the vehicle regularly, share ownership of the vehicle, or meet certain carrier requirements.
How to add a driver to your car insurance
Adding a driver to your car insurance is a rather simple process. Start by contacting your insurance agent by phone or email. Alternatively, you may be able to change your insurance policy directly via your provider’s website or mobile app, if available. Be prepared to answer any questions related to your driver’s full name, date of birth, driver’s license number and why you want to add them.
After adding drivers to car insurance, the provider may adjust the premium. Because there are multiple drivers in the same policy, the premium is based on the risk factors for each driver. Insurance companies will withdraw all car records and assert history to determine overall risk. The insurance company then calculates the new premium.
If you are already prepaid with 6 or 12 months coverage, this premium update may be offered as an additional fee or refund depending on how the new drivers affect the overall risk profile of all drivers listed in the policy.
Best Auto Insurance Company for Multiple Drivers
The best car insurance company for multiple drivers can be different for everyone. Getting the best deal with auto insurance is based on several valuation factors, including age, gender (most states), driving experience, marriage status, and driving history. The carriers below may be some of the best options based on an overall rating of the average car premiums for married drivers in one insurance policy.
We also took into account additional metrics for each company, including coverage options, digital presence, customer satisfaction scores from JD Power, and customer satisfaction scores from AM. These scores are designed to provide an easy way to compare insurance companies when starting your search.
| Insurance Company | Bankrate score | Full Coverage Premium | Minimum Coverage Premium |
|---|---|---|---|
| friend | 4.4 | $3,869 | $1,242 |
| Geico | 4.3 | $2,085 | $567 |
| State Farm | 4.3 | $2,834 | $907 |
| Liberty Mutual | 4.2 | Rates are not available | Rates are not available |
| Nationwide | 4.0 | $1,902 | $746 |
| *The premiums shown are the average annual rates from Quadrant Information Services as of March 2025, based on married policyholders with a single vehicle. |
How to Find Cheap Car Insurance for Multiple Drivers
One of the best ways to find cheap car insurance for two or more people is to shop with different airlines. Each company has risk guidelines, discounts and fee structures that allow you to change the amount you pay for your car insurance, especially if you insure multiple drivers. As each person’s driving records and claim history are reviewed, if one driver has a dangerous driving history, it could increase overall policy costs and impact the eligibility of a particular carrier.
While the risks are increasing, multi-driver policies may qualify for more saving opportunities. You may be able to keep prices low with other discounts, such as guaranteeing multiple products, partnering with organizations, being a safe driver, driving a vehicle with low mileage and safety features. Furthermore, if another household member has a clean record and an experienced driving history, it can be beneficial to the rate.
