Why do I need to add my daughter to my car insurance?

She'll be getting a license soon and I know she'll increase my rates because she's a new driver. What would happen if I didn't add her? Would my insurance still cover her if she got into an accident?

Answer
“By adding your daughter to your insurance, you’re ensuring she’s protected in an accident. Even if your daughter only has her permit right now, she will need to be listed on your policy. However, you do have the ability to either exclude or include her.
If you do decide to exclude her, you are letting your car insurance company know that she lives with you but does not drive your vehicle. If she’s excluded, she also would not be covered in an accident and all the money for damages would have to come out of your pocket.
If she’s going to be driving your vehicle, you should try and compare prices with several insurance companies before adding her.
Even with a new driver, you can find affordable car insurance. Many carriers offer discounts for new drivers or students. She can also take a driving course that may reduce rates.
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Emily Maracle
Answered on May 17, 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.
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