Do I have to carry my 17 year old daughter on my policy if she is driving my car.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 16, 2010

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Insurance Question from Fairmont, MN

Asked on 06/16/2010

Do I have to carry my 17 year old daughter on my policy if she is driving my car. NULL

Answer given on June 19, 2010

Your question about your daughter does not tell me if she lives with you or not.  I am presuming she lives with you.  If your 17 year old daughter is licensed to drive, you do need to tell the insurance company that she is a driver in the household.  If you only have one car then she would be listed as an occasional driver, which is less expensive than being rated as a primary driver.  If the number of drivers in the household is equal to the number of cars, then your daughter would need to be rated as a primary operator on one of the cars.  You can choose the car she is rated on, generally the older or less expensive car.  Your insurance agent can help you determine the best way to cover her at the least cost.

If your 17 year old daughter is not a member of your household, but borrows your car occasionally, you do not need to carry her on your insurance.  She would be covered as a permissive user of your car just as if you had lent the car to a neighbor or friend.

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