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...

  • Some car insurance companies only accept changes to your policy during renewal time
  • Your insurance agent will ask for personal information
  • The cost of adding an additional driver to your policy will vary

When you purchase a car insurance policy it doesn’t mean it has to be fixed in stone.

If you are thinking about adding someone to your car insurance policy, it’s a relatively easy process that takes just a couple of minutes to do.

There are some important things to know about car insurance companies. First, a policy can often be more expensive when a single driver is on the policy as opposed to multiple drivers.

Before adding an additional driver to your current policy, check with your company and find out how much it will cost you. Then you can budget accordingly.

Enter your zip code above for FREE car insurance quotes today!

Determining Factors for Additional Drivers

Some car insurance companies only accept changes to your policy during renewal time or with a somewhat hefty fee, so this is something to take into account.

To be sure, take all of your questions to an auto insurance agent you can trust and get the answers you need. The most important factor for any insurance company is the amount of risk that your additional driver poses.

As you prepare to add another driver to your plan, your insurance agent will ask for their personal information such as their date of birth, social security number and how long they have been covered.

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Every Car Insurance Company Differs

The cost of adding an additional driver to your policy will vary.

Not only will it depend on the risk your additional driver poses but how expensive the fees are for adding someone since the rates at each insurance company are each a little different.

If you want to add on a driver temporarily to your policy, all it requires is a simple phone call or email.

For a permanent change to your policy, take the time to research the possible penalty costs and/or waiting periods.

Everyone knows that car insurance isn’t cheap but by being a safe and patient driver, you may find a much better deal than you can imagine!

Be patient, drive safely and always look into your options before adding on additional drivers. When you do, you can create the best possible price for you and your loved ones.

Enter your zip code below for FREE car insurance quotes today!