What is a non-rated driver?

Answered by Home Insurance, Car Insurance Expert Jackie on December 27, 2020

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?

expert avatar

Jackie

Home Insurance, Car Insurance Expert

A non-rated driver does 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.


Car Insurance

Have an insurance question?

Our insurance agents are ready to help you, for free.

Ask your question, it’s 100% free
Recommended
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
Gabriella R.
Find savings (100% Free)
stars4.6/5 Rating on App Store