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What is a rated driver?

I just learned that my adult son, who lives with us but doesn't drive, is listed as a not-rated driver on my car insurance policy. What does this mean?

avatar
Sophie Newman · Updated on
Reviewed by Shannon Martin, Licensed Insurance Agent.
A non-rated driver is someone who lives in your household but does not drive your car.
There are several ways that
car insurance companies
classify household members to understand the risk profile of the policy. Rated and non-rated drivers are two of those.
Rated driver: This is a person who drives the vehicle regularly and whose actions will affect your rates.
Non-rated driver: This person lives in your household and typically will not affect your rates.
This is really helpful for people who live with a
teen driver
or someone with a poor
driving record
. Just make sure that all non-rated drivers are actually not driving. 
Every insurance company has different rules, so it can be complicated. The best thing to do is call your insurance or look over your policy’s terms and conditions. It can help define the
verbiage in your policy
.
View full answer 
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