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?
Jackie Whalen · Answered on Nov 29, 2021
Reviewed by Shannon Martin, Licensed Insurance Agent.
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.
MORE: Cheap car insurance
View full answer
WHY YOU CAN TRUST JERRY
Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.
Related Questions and Articles
What happens if another driver doesn't have insurance?
What do I do if I got into an accident with someone who is uninsured? They hit me and I'm not at fault.
Jul 09, 2021
What is considered to be low mileage?
Would I qualify for a low-mileage discount if I drive less than 250 mi/400 km a week?
Jul 09, 2021
What are the consequences for driving without insurance?
If you're caught driving without car insurance, what can happen to you?
Aug 06, 2021
What Is a Policy Holder?
An insurance policyholder is the person who owns the policy and pays for the insurance. Policyholders aren't necessarily covered on the policy. Read here to learn about insurance policyholders.
How NSF Fees Can Impact Your Credit Score
Are non-sufficient fund (NSF) fees something that can damage your credit score? The answer is both yes and no. Here's what you need to understand.
Browse More Content
Insurance in Your State
What Others Are Asking
Can I put a car loan in my name and register it in my spouse's name?
I want to buy a car for my spouse as a gift, but I need a small loan to do so. However, I want it to be her car so I want her name to be on the title. Am I allowed to do this?
Nov 29, 2021
How do I sell a car with a loan?
I have a loan on my car, but I want to sell it. Is there any way that I can sell a car with a loan?
Nov 29, 2021
Can you tell me how to write a letter to cancel your insurance policy?
I read online that I need to write an official letter in order to cancel my auto policy. How can I write a letter to cancel my car insurance policy?
Dec 10, 2021
Read Advice From Car Experts At Jerry
The Ultimate Guide to Moving to Reno
If you move to Reno, expect a good amount of outdoor recreation and entertainment options—as well as a higher cost of living.
2022 Lincoln Navigator Interior Review
A luxurious cabin, generous storage space, and cutting-edge tech make the 2022 Lincoln Navigator stand out from the crowd.
Browse By Topics
Easiest way to compare and buy car insurance
Find insurance savings — it's 100% free
No long forms
No spam or unwanted phone calls
Quotes from top insurance companies