If a person no longer lives with you, you can remove them as a driver included in your policy. Some insurers may want to prove that the person moved (and therefore won't have access to drive their vehicles). Learn more about how the move affects car insurance. When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy.
Generally, your insurance company will need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles. Adding a driver to your policy means that they're covered by your policy when you drive your car. If they have an accident, their insurance company is more likely to cover the damage. Sharing an auto insurance policy, on the other hand, typically means that both vehicles are covered by a single policy.
If the driver uses your car frequently or lives in your home, your insurer may determine that they should have added it to your policy as a driver. In that case, it may be reason enough for your insurance company to deny your claim. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance. Some states and insurance companies require that all members of the household who are of driving age, including friends, be listed on your car insurance policy as drivers.
Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. Removing someone from your car insurance policy may lower your overall rate, but it depends on several factors related to that individual driver. If you live in the same residence as your friend, you can usually add it to your car insurance because the vehicles are parked in the same place. In most cases, your insurance can cover the accident, but depending on the limits of your policy and the details of the accident, the driver's insurance policy may cover all or part of the claim.
Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. Most insurers will also allow you to share a joint car insurance policy with a friend by adding both sets of cars to the policy. Many insurers, including Progressive, allow you to add a friend to an auto insurance policy as a driver if you share a permanent residence.
This information is not an insurance policy, does not refer to any specific insurance policy, and does not modify any provision, limitation, or exclusion that is expressly stated in any insurance policy. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. If you and your friend don't currently share an address, they won't be able to appear on your car insurance policy even if you plan to move at a later date.