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
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.
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 do you get insurance quotes in New Mexico?
How do I get new car insurance quotes? I have a 2016 Hyundai Elantra and I'm paying too much for my coverage.
Jun 30, 2021
What is MCCA in Michigan?
What is the MCCA fee? Is it the same as MAIPF and MATPA?
Apr 14, 2021
Why am I being charged extra money for not meeting my lender’s insurance requirements?
The bank that gave me my car loan is charging me over $700 because, according to them, the auto insurance I had for the first six months of the loan didn't meet their insurance requirements. Why is this happening? The bank didn't even tell me about their insurance requirements when they gave me the loan.
Mar 12, 2021