Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Reviewed by Jeffrey Johnson
Insurance Lawyer

UPDATED: Jul 14, 2021

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In a nutshell...

  • The named policyholder is the person who is responsible for the car insurance policy
  • There can be additional drivers listed on an auto insurance policy, which is a common scenario for married couples or parents of teen drivers
  • To have a person added to an insurance policy, you need to contact the car insurance provider directly
  • You can meet the state requirement to carry auto insurance if you are listed as an insured driver on someone else’s car insurance policy

It is possible to have car insurance coverage under the policy of another insured driver. This is a common case for a new teen driver or for a married couple.

The reason to make this arrangement is that it could end up in significant savings for auto insurance coverage.

In addition, if you drive someone else’s car on a regular basis, you may be required to register as a listed driver of that vehicle on the insurance policy.

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Auto Insurance Policies for Multiple Vehicles and Drivers

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For many auto insurance companies, there is a requirement that you be insured for every vehicle that you own. Ownership of a vehicle is determined by the official registration of that vehicle with the state department of motor vehicles (DMV) or insurance.

This means that if you have officially registered a vehicle in your name, then your auto insurance company may require that it be added to your existing policy.

One of the typical reasons that you would want to be added as a driver to another person’s auto insurance policy is that you may not actually own a vehicle.

In this scenario, you would probably be borrowing the policyholder’s car or truck on a regular basis and would need to be listed as an insured driver on that policy.

For this to happen, you would need to provide some general information to the auto insurance company about your driving history and any vehicles that you own or plan to drive on a regular basis.

Rather than having separate auto insurance policies for some drivers, it makes much more financial sense to be under the same policy. This is especially true for a married couple or for people who are in a serious relationship together and are living together.

If you frequently borrow the car of a person that you are dating, then it may be most economical for you to share one car insurance policy.

In any event, your auto insurance provider will ask you to list off all of the people who live in the same house as you because they would be considered to have permissible use of your vehicle at any time.

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When a Separate Car Insurance Policy Makes the Most Sense

When the auto insurance company goes about determining the rate that you will pay for auto insurance, the quote will take into account the driving records of the other people that you live with.

If your spouse or teen driver has a very bad driving history, then you might be better off having separate auto insurance policies.

This could change as their driving record improves or when certain accidents or traffic tickets fall off of their record after about three years or so.

There are steps that can be taken in the interim to improve the driving record of the other driver or to get them a lower rate on insurance. There are several ways to do this:

  • Paying down old debts and improving their credit score will get you a better rate. Your credit score is tied into the rate you pay for insurance.
  • Taking a driver’s safety course is another effective step to get an insurance discount.
  • Excluding the high-risk driver will lower your premium. If you make the decision to expressly exclude a driver who lives in your house, including a spouse or child, from your auto insurance coverage, then you need to be totally certain that the excluded driver will never borrow your car.

The reason for this concern is that the auto insurance company would have grounds to refuse to provide coverage for a claim involving a driver who was expressly excluded from your policy coverage.

In addition to your claim being denied, this could cause your auto insurance company to drop your coverage or choose not to renew it for another term if they find out that the excluded driver had actually been driving your vehicle.

The Bottom Line on Being Listed as a Driver Under Someone Else’s Auto Insurance Policy

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It is definitely possible to have yourself listed as an additional driver on another person’s car insurance policy.

This process is typically done for spouses with two cars or for a teen driver who would not qualify for affordable insurance rates just yet on their own policy.

The situation gets a bit more complex if you are the owner of your own vehicle.

In some situations, you will be required to have insurance in your name if you are the registered owner of a vehicle with your state DMV.

The reason for this is that you, as the officially registered owner of the car, are the one with an insurable interest in the car because you actually own it.

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