In PA do i have to add every member of my household to my auto policy?

UPDATED: Jun 1, 2016

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UPDATED: Jun 1, 2016Fact Checked

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Asked June 1, 2016

1 Answer


In the state of Pennsylvania not all of your family members have to be included on your car insurance policy. But there are specifics involved here. Insurance companies use the term household members". This term refers to any family member of driving age who lives in your home.

In order to list a family member as an "excluded driver" and not include them on your policy, you (the policy holder) must meet certain conditions. In Pennsylvania, you simply have to provide documented proof that the family member or members you wish to exclude have insurance with another insurance company. In special cases, you can also exclude a family member by proving documentation that indicates the family member is in the Commonwealth's Assigned Risk Plan. For the most part, it is just a matter of demonstrating that any family member old enough to drive has auto insurance from some insurance provider, and you can easily declare them as excluded drivers.""

Answered June 3, 2016 by bestrates

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