What is a non-rated driver?

A friend of mine was talking about putting a non-rated driver on his auto insurance plan. What is that? Does it change how much you pay?

Answer
A non-rated driver can do wonders for your premium! Why, you ask? Because they do not factor into the charge for your premium. In contrast, having a rated driver on your policy means that their driving record is factored in when the insurance company determines the rate for your policy.
For example, let’s say your adult child lives with you, but they have their own car and have an insurance policy in their name. They would be considered a non-rated driver. Even though they have access to your car because they live with you, they are not on your policy because they have their own. You don’t have to worry about paying a higher premium if they have a poor driving history.
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Jackie Whalen
Answered on Feb 24, 2021
Jackie Whalen has been in the insurance industry for over 7 years, working in sales, service and claims. She has won numerous awards as a top salesperson and customer service agent. She currently lives in New York with her husband. Her 24 year old son recently moved out on his own which has given her more time to travel, write and train her dog Maisy not to chase her cat, Whiskey.
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