When you add someone to your car insurance, you can call your car insurance company or log into your online account to add a new driver to your policy. Your insurance company will generally need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles. You can generally stay on your parent's car insurance policy as a registered driver if you live at home or if you're a full-time college student. That means you're still covered when you drive your parents' vehicles.
And unlike health insurance, there's no age limit that prevents you from staying on your parents' car insurance. However, if you're moving permanently, you'll usually need your own car insurance policy. Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy.
The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver. Progressive and many other insurers offer multi-vehicle discounts for having multiple vehicles on a single policy. If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. Depending on the state and the insurer, you may be able to add your car to your parents' insurance if you live with them and your car stays in their house.
For example, if a driver has several accidents or violations on their motor vehicle report that have a negative impact on the cost of your insurance, excluding them from your policy could lower your car insurance rate. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. If you and your spouse live with your parents and drive your vehicles, you can stay on your car insurance policy as listed drivers. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance.
In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you. Common law marriage is recognized in some states, and your car insurance coverage will work the same way as a married couple's insurance. If you or your spouse own a vehicle, you may decide to insure it with your own car insurance policy or with your parent's policy.
A standalone car insurance policy for teen drivers can be expensive because they are more likely to drive distracted, drive faster, carry a tailgate, and not wear a seatbelt. Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse. If a household member will no longer be driving your vehicle, you can exclude them from your car insurance policy in most states. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence.