Do I need to add my roommate to my insurance in California if he occasionally drives my car?

My roommate doesn't have a car, so he uses mine to run occasional errands. We live in California. Do I need to add him to my insurance policy?

Answer provided by
Eric Schad
Answered on Apr 28, 2021
Eric Schad has been a freelance writer for nearly a decade, as well as an SEO specialist and editor for the past five years. Before getting behind the keyboard, he worked in the finance and music industries (the perfect combo). With a wide array of professional and personal experiences, he’s developed a knack for tone and branding across many different verticals. Away from the computer, Schad is a blues guitar shredder, crazed sports fan, and always down for a spontaneous trip anywhere around the globe.
“If your roommate drives your car, you’ll probably need to add him to your policy. While this depends on the car insurance company, your car may not be covered if your roommate gets in an accident while driving it and he isn’t named as a driver on your policy.
If your roommate has a bad driving record, you may see your insurance rates rise once you add him to your policy. If you need to cut car insurance costs, keep the coverage and find the savings with Jerry.”

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