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What does it mean to be a non-rated driver with Progressive?

My in-laws live with us and are non-rated drivers on my policy. Does that mean they are covered?

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
Rating and drivers on a
car insurance
policy can be complex. It’s completely understandable to want more clarification on it!
When listing drivers, a rated or non-rated determines how each driver on a policy will affect rates. Non-rated drivers, no matter their driving history, won’t affect your insurance rates, while rated drivers will.
As far as coverage, you’ll need to check with
Progressive
to find out if they are covered or not. Since the rating is only tied to how a person affects the premium, it doesn’t tell you if they have insurance. 
If they do live with you and drive your vehicle, then you need to add them to your policy. Otherwise, you could end up with an unpleasant surprise if you file a claim!
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