If someone else is ticketed while driving my car, will my auto insurance premium go up?

Will I have to pay more for insurance if my friend got a ticket in my car? I let them borrow it for a few days and they got pulled over for speeding.

Answer
Your premium should not go up if your friend got a speeding ticket while driving your car. Phew!
Auto insurance premiums are based on your driving record, as well as the records of any other drivers listed on your policy. If you give someone permission to drive your vehicle but they’re not listed on your insurance policy, it won’t affect your insurance premium if they get a ticket.
That being said, it’s important to remember a few things before lending out your car to friends:
  • Policies may differ. Some providers may increase your premium if they find out you’re lending your car to others.
  • Not all tickets are the same. While speeding tickets follow the driver, parking tickets follow the car. Whether or not the ticket impacts your premium may depend on the type of ticket it is.
  • Accidents will impact your premium. Because auto insurance typically follows the car, any accidents will show up on your insurance record and likely raise your premium.
When it comes to lending out your car, always remember to check what your policy covers. While most policies will cover permissive use (letting others use your car), others might not.
To find the best car insurance plans at the most affordable prices, try Jerry. The Jerry app can help you find and compare policy quotes and will even help you switch to a better plan!”
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Alexah Grinnell
Answered on Sep 09, 2021
Alexah Grinnell has been working in the insurance industry for 5 years with a primary focus of coverage consulting in the sales department. She has been working for Jerry Insurance since July of 2019 and has also has experience working for AAA and State Farm. She currently lives in Rochester, NY with her husband and 3 kids
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