Can you be an insured and non-rated driver?

My mother just moved in with my husband and me. She doesn't drive much but occasionally borrows our car. I thought I listed her on our policy with Allstate, but I just learned she's a non-rated driver. Does this mean she's not covered?

Answer
“The way car insurance companies list drivers isn’t always a straightforward process. Similar to how a policy is rated, there are several ways to determine a driver’s rating.
A driver’s rating determines whether or not their driving history will affect your rates, not their coverage. If your mother is non-rated, it simply means her driving won’t affect your premiums, but she should still have coverage through your Allstate policy.
A separate classification from ratings is exclusion, which means that someone doesn’t have coverage on a policy.
To be sure, you can always check with Allstate. Confirming whether or not your mother has coverage is better now than after an accident.
If she does need to be listed as rated for coverage, be sure to shop around. Prices vary between insurance companies, so comparison shopping ensures you’re getting the best rate.
You can do this online or with Jerry. Jerry collects quotes from the top 50 insurance companies in seconds and delivers the best deals to your phone for free.”
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Sophie Newman
Answered on Sep 15, 2021
Sophie Newman is a writer from California. Her hobbies include brewing her own kombucha, riding horses, and taking long road trips.
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