Adding a Friend to Your Car Insurance Policy – Weighing the Pros and Cons

Adding a friend to your car insurance policy is a good idea if you are always lending your vehicle out. Without your friend listed on the policy, your insurance company can deny coverage in the event of an accident or collision. Read our guide for the pros and cons of adding a friend to your car insurance, and use our free quote comparison tool to find affordable rates.

Free Insurance Comparison

secured lock Secured with SHA-256 Encryption

Chris Tepedino is a feature writer that has written extensively about home, life, and car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and C...

Full Bio →

Written by Chris Tepedino
Insurance Feature Writer Chris Tepedino

Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance for 10 years. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate...

Full Bio →

Reviewed by Laura Walker
Former Licensed Agent Laura Walker

UPDATED: Jun 23, 2022

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.

Since the auto insurance industry operates on a model of assumed risk, your carrier is going to want to know who is driving your car. In fact, most companies want you to provide them with a listing of all the people that might drive your car at some point. That way they can assess how much of a risk those people are.

Since having some kind of car insurance coverage is mandatory in most states, you will likely be supplying your own list of people that will be driving your car to your insurance company. For most people this will be a small list of family members, but you may have a need to add a friend to the policy at some point.

When can you add a friend to your auto insurance policy?

If you should find yourself lending your car to a friend or maybe letting an acquaintance drive your car on a trip, you need to let your insurance company know about these occurrences, before they happen. You probably gave your insurance company an account of family members when you first got your policy and that is a good thing. Keep your carrier up to date on anyone new that will be driving your car.

You should contact your insurer and ask if they offer this service. You will be required to provide a driver’s license number and date of birth of the person you want to add as a driver on your policy.

If your insurance company allows it, take the time to add a friend to your auto insurance if you know they’ll be driving your car on a regular basis.

Don’t be tempted to skip this step, and then just let your friends drive your car. This could get you into a lot of trouble.

What if I don’t add my friend to the insurance policy?

The person that you let drive your car could wind up in an accident. Your car insurance company knows this and they don’t want it to happen. That is why they may try to dissuade you from allowing anyone not regularly covered on your policy to drive your car. Even if the person driving your car got into an accident that wasn’t their fault it may be impossible to get a claim honored for that situation. A good rule of thumb is to let your insurance company know, beforehand, about anyone that will be driving your car.

How does not adding my friend affect claims?

It is usually big trouble to let someone drive your car that is not covered by your insurance, period. Every claim is investigated and if you file a claim and it is discovered that someone other than you was doing the driving when an accident occurs, you may find yourself without any coverage at all.

Your insurance company is not required in any way to cover someone that you let operate your vehicle without notifying them beforehand. You will have security and peace of mind by telling your insurance company about any drivers of your vehicle before you let them drive.

If the worst case scenario happens and your friend gets into an accident you will be able to file a legitimate claim and know that all the bases are covered.

Free Insurance Comparison

Compare quotes from the top insurance companies and save!

secured lock Secured with SHA-256 Encryption