Do I need to add my sister and dad to my car insurance?
My sister just got her permit and my dad isn't licensed. They both drive my vehicle. Do I need to add them to my insurance? Will it increase my rates?
Apr 21, 2021
Answer provided by
Answered at Apr 21, 2021
“If either of your family members were to get into an accident while driving your vehicle, your insurance would not cover them. It’s extremely important to add any person who drives your vehicle to your car insurance.
That being said, no one should be driving your vehicle if they don’t have a driver’s license, and that includes your dad. It is illegal and your insurance wouldn’t cover any resulting accidents.
Since your sister has her permit, your rates may increase due to her age. You should reach out to your current insurance carrier to find out the cost of adding your sister to your policy.
You can also comparison shop. Some carriers don’t charge high rates for new drivers. Depending on the length of time you’ve been licensed, you may be able to find an affordable rate with her as an additional driver. “
Did this answer help you?
Ask us a question by email and we will respond within a few days.
Have a different question?
You can meet us at our office and discuss the details of your question.
Browse by topics
What others are asking
How much does car insurance cost for an 18-year-old male driver?
I'm an 18-year-old male who just got his first car. How much should I expect to budget for car insurance per month?
Apr 13, 2021
Can I get insurance for mechanical issues on a high-mileage Chevy Trax?
I'm eyeing a Chevy Trax with 200,000 miles that's been well maintained. My concern is that it's never had any mechanical issues, so it might be on the verge of a major breakdown. Can I get car insurance that covers engine, transmission, or other major repairs?
Apr 22, 2021