My son lives with his girlfriend's family. Can he be added to that family's car insurance policy, even though he isn’t related to them?

I have a 25-year-old son who lives with his girlfriend's family and drives their car (a Nissan). Should he be on their insurance policy? Is that possible since he's not technically related to them?

Answer
Drivers need to be listed on a policy if they’re a regular operator of the vehicle. The definition of “regular operator” may vary from company to company, but it usually means they drive the car one time or more per month on a regular basis. This is true whether they live in the household or not. If your son is listed as an active driver on your policy, he may be added as an inactive driver or non-driver on his girlfriend’s family’s policy; depending on the company there may be no additional cost.
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Shannon Martin
Answered on Feb 22, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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