"What is the difference between someone being listed as a driver or as a second named insured on an auto insurance policy? "

"My wife and I were reviewing our current car insurance policy and found that she is listed as a driver, but not as a second named insured. Does this mean that she is not insured, even though she is listed as a driver?


Answer provided by
Johnny Puckett
Answered on Apr 19, 2021
Johnny Puckett is a freelance writer and automotive expert. He has contributed content to a number of some of the largest online publications, aftermarket automotive manufacturers’ sites, and automotive informational sites. His experience in the automotive and information fields informs his writing at Jerry. His automotive interests bleed into his free time, where he enjoys modifying his favorite cars and woodworking.
“Named insured refers to the person who opened the policy. Second named insured refers to a person on the policy who can make changes to the policy, including renewal and cancellation. Anyone listed as a driver is insured, but they cannot make changes to the policy.
It is not necessary to have your wife listed as a second named insured on your car insurance policy, though most of the time the spouse of the person who purchased the policy is listed as such.
If you are unsure of your coverage, you should contact your insurance company for the details, but you shouldn’t have anything to worry about as long as anyone operating your car is listed as a driver on the policy. “

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