If I want to add a driver or vehicle to my insurance, do I need to start a new policy?

Drivers aren't required to buy a separate policy to provide coverage for a new driver or car. Are you still wondering, "can I maintain my affordable auto insurance and add a driver or vehicle to my insurance?" In today's market, most insurance companies offer discounts that can help drivers keep rates low despite adding cars to their policy. Wondering, "Can I go online to buy auto insurance and add a driver or vehicle to my insurance?" When you shop online you can compare multiple quotes at once to find the best policy for you.

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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: Feb 8, 2022

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Overview

  •  Multiple drivers and cars can be added to one policy
  • New insurance cards will be created whenever a new driver is added
  • Shopping online for insurance quotes is the most efficient way to find the best policy for you

Do I have to buy auto insurance to add a driver or vehicle to my insurance policy?

If a friend or family member is joining your household and wants to regularly drive your car, you won’t have to purchase a brand new policy to make sure that the new driver is covered. Of course, if you think that your current coverage is already too high, you may be asking yourself, “Can I shop online to get affordable car insurance and add a driver or vehicle to my insurance?”

You’ll be happy to hear that, yes, you can.  Shopping online allows you to play around with various insurance add-ons that could influence the auto insurance rates that you pay. With impressive tools like this, you can know what to expect when you implement changes to your policy.

Keep reading to learn you can add drivers and cars to your policy while keeping your rates from skyrocketing.

Enter your ZIP code to get free auto insurance quotes if you’ve ever asked your insurance representative, “How can I add a driver or vehicle to my insurance policy?”

How can drivers add another person to their auto insurance policy?

Have you ever wondered, “Does my car insurance cover other drivers?”

It can as long as those drivers have been added to your policy. If you’ve never added another driver to your policy before, there’s no need to panic. The entire process is very simple and should only take a few minutes. When you need to add a new driver, you’ll need to have their license information and some personal details, like their birthday, handy so you can share that with your insurance company.

When that data has been entered into your policy, the insurance company will send out an official insurance card so the new driver will have proof of insurance. Now, does adding a driver cause your insurance rates to rise? The answer to this question will come down to the individual driver.

For example, if the driver you are adding to your policy has great credit and a stellar driving record you may not face much of an increase at all; however, if the driver in question has caused a lot of accidents, you will more than likely face higher rates.

Below is a chart that can help you gauge how much you may end up paying for your insurance depending on a new driver’s driving record:

Average Monthly Auto Insurance Rates by Driving Record

CompaniesAverage Monthly Rates With a Clean RecordAverage Monthly Rates With One Speeding ViolationAverage Monthly Rates With One AccidentAverage Monthly Rates With One DUI Conviction
USAA$161$183$210$292
GEICO$179$220$266$406
American Family$224$252$310$361
Nationwide$229$259$283$379
State Farm$235$266$283$303
Progressive$283$334$398$331
Travelers$287$355$357$478
Farmers$288$340$377$393
Allstate$318$374$416$522
Liberty Mutual$398$475$517$634
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After taking all this in you may be wondering, “Does insurance follow the car or the driver?” Insurance coverage follows the car so adding someone to car insurance temporarily, like your neighbor who just needs to borrow your car for the day, isn’t necessary.

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How do drivers add a new vehicle to their insurance policy?

Adding a car to your policy, like adding a driver, is not hard to do. First, you’ll need to contact your insurance representative and share the car’s details, and then tell them what kinds of coverage you would like to place on the car. After that, new insurance documents will be sent to you, either via email or through the mail, so you can have a record of the changes that have been made to your policy.

Now you may be asking, “How can I keep my reasonable auto insurance rates and add a driver or vehicle to my insurance?” In today’s marketplace, there are many insurance companies, like Progressive Insurance, GEICO, and Allstate to name a few, that offer all different kinds of discounts that can help drivers afford policies that provide coverage for multiple cars and drivers.

What discounts do insurance companies offer drivers?

How can I find the best auto insurance quotes and add a driver or vehicle to my insurance?

When you shop online, make sure that every discount you deserve has been added to your quote. It’s well worth taking the time to do so because some companies offer discounts that are quite generous. Examine this extensive breakdown of discounts offered by the top insurance companies in the industry to see how much you could save on your insurance:

Auto Insurance Discounts from Top Companies
Auto Insurance DiscountsAllstate (%)American Family (%)Farmers (%)GEICO (%)Liberty Mutual (%)Nationwide (%)Progressive (%)State Farm (%)Travelers (%)USAA (%)
Adaptive Cruise ControlN/AN/AN/AN/A5N/AN/AN/A
Adaptive HeadlightsN/AN/AN/A5N/AN/AN/A
Anti-lock Brakes5555
Anti-Theft25202515
Claim Free2610152312
Continuous CoverageN/AN/AN/A15N/A
Daytime Running Lights155N/A
Defensive Driver105105103
Distant StudentN/A107
Driver's Ed10N/A101583
Driving Device/AppN/A30402050305
Early SigningN/A8N/A1012
Electronic Stability ControlN/A5N/AN/AN/A
Emergency DeploymentN/AN/AN/A25N/AN/AN/AN/AN/AN/A
Engaged CoupleN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Family LegacyN/AN/AN/AN/AN/AN/A10
Family PlanN/AN/AN/A25N/AN/AN/AN/A
Farm VehicleN/AN/AN/AN/AN/AN/AN/A
Fast 5N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Federal EmployeeN/AN/A810N/AN/AN/AN/AN/A
Forward Collision WarningN/AN/AN/AN/A5N/AN/AN/A
Full PaymentN/A$5N/AN/A7.5N/A
Further EducationN/AN/AN/A1015N/AN/AN/A
Garaging/StoringN/AN/AN/AN/AN/AN/AN/A90
Good CreditN/AN/AN/AN/AN/A
Good Student1522.5102583
Green VehicleN/A5N/A10N/AN/AN/A10N/A
HomeownerN/AN/A535N/A
Lane Departure WarningN/AN/AN/AN/AN/AN/AN/A
Life InsuranceN/AN/AN/AN/AN/AN/AN/AN/A
Low Mileage30
LoyaltyN/AN/AN/A5N/AN/A
MarriedN/AN/AN/AN/AN/A
Membership/GroupN/AN/AN/A107N/AN/AN/A
MilitaryN/A154N/AN/AN/A
Military GaragingN/AN/AN/AN/AN/AN/AN/AN/AN/A15
Multiple DriversN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Multiple Policies1029102010121713
Multiple Vehicles25102010208
New AddressN/AN/AN/AN/A5N/AN/AN/AN/AN/A
New Customer/New PlanN/AN/AN/AN/AN/AN/AN/AN/AN/A
New GraduateN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Newer VehicleN/AN/A401012
Newly LicensedN/AN/AN/AN/A5N/AN/AN/AN/AN/A
NewlywedsN/AN/AN/AN/A5N/AN/AN/AN/AN/A
Non-Smoker/Non-DrinkerN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Occasional OperatorN/AN/AN/AN/AN/AN/AN/AN/AN/A
OccupationN/A1015N/AN/AN/A
On-Time PaymentsN/AN/AN/AN/AN/AN/AN/A15N/A
Online ShopperN/AN/AN/AN/AN/AN/A7N/AN/AN/A
Paperless DocumentsN/AN/A5$50N/AN/AN/A
Paperless/Auto BillingN/A$30$233
Passive Restraint402040
Recent RetireesN/AN/AN/AN/A4N/AN/AN/AN/AN/A
RenterN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Roadside AssistanceN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Safe DriverN/AN/A15N/A3531152312
Seat Belt UseN/AN/AN/A15N/AN/AN/AN/AN/AN/A
Senior DriverN/AN/AN/AN/AN/AN/AN/A
Stable ResidenceN/AN/AN/AN/AN/AN/AN/AN/A
Students & AlumniN/AN/A107N/AN/AN/AN/A
Switching ProviderN/AN/A10N/AN/AN/AN/A
Utility VehicleN/AN/AN/AN/AN/AN/AN/A
Vehicle Recovery1535255
VIN EtchingN/AN/AN/A5N/A
VolunteerN/AN/AN/AN/AN/AN/AN/AN/AN/A
Young DriverN/AN/AN/AN/AN/AN/AN/A$75
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As made evident by this chart, taking your time when you fill out quotes online and adding on discounts that are applicable to your policy can end up saving you quite a bit of money in the short and long term.

Adding Drivers and Vehicles to Your Policy Explained

Can I still afford my current auto insurance company and add a driver or vehicle to my insurance?

If the driver in question doesn’t have a terrible driving record and your insurance company offers great discounts, you could very well find that your rates remain reasonable even after you add a driver or new car to your policy. Of course, if your rates become untenable after making adjustments to your policy, you should shop for a new policy online.

Online shopping empowers you to find the best insurance policy for your immediate and long-term needs. If you’ve ever thought, “Can I get cheap insurance and add a driver or vehicle to my insurance?” enter your ZIP code to start comparing free quotes today.

Free Insurance Quote Comparison

Enter your ZIP code below to compare cheap insurance rates.

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