Q: Can my auto insurance policy be canceled because of my roommate's bad driving record?
Apr 14, 2021

I just got an email from my insurance company saying they will cancel my policy because my roommate has a suspended driver's license. I never let her drive my car; this doesn't seem fair! What can I do?

Answer provided by
Shannon Martin
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.

“When an insurance company offers a policy, in most cases they need to have all people of driving age listed on the policy. Anyone in the home is a potential risk who must be underwritten and rated for.

Don’t worry, though, you may have options! If your roommate has her own policy, send a copy of her declarations page to your carrier. They may give you the option to exclude her as a driver from your policy.

If this is not an option, try getting more car insurance quotes online as soon as possible. There are many other carriers. Progressive is one that allows for excluded drivers.

Just keep in mind that once she is listed as excluded, she will not be covered to drive your car at all. If she does and there is a claim, she will not be covered. “

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