Does my girlfriend need to be on my car insurance if she lives with me?

She drives my car about 60% of the time, but she has her own car insurance and car. Am I required to list her on my policy, or will her insurance cover her if there's an accident when she's driving my vehicle?

Answer provided by
Emily Maracle
Answered on Apr 20, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
Car insurance typically follows the car and not the driver. However, insurance companies often require that any household member who regularly drives the vehicle be listed on your policy.
If another driver did get into an accident with your vehicle, you’d want to ensure that it’s covered.
While they may have their own coverage, there may be an exclusion for this situation in their policy. If your vehicle isn’t listed on their policy, their insurance may not cover the damage. If the other driver is not listed on your policy, your insurance may also not cover the damage.
Your rate should not increase significantly if you add an additional driver. You can also comparison shop with other carriers to find the best rate with both you and your girlfriend listed on the policy. This will ensure your vehicle is protected in any situation.

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