is it cheaper with an additional driver on your car insurance?

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Asked November 14, 2016

1 Answer


There are multiple stigmas that follow the insurance world. Including what happens when I add another person to my policy. While it is the ethical and responsible thing to do, adding another person to your policy can increase your premium. Let’s talk about the pros and cons to adding an additional driver to your policy so if you are ever faced with this decision, you can be educated and make the right decision for you.

It is important to look at both sides of the situation before making a decision that best fits you. The positive sides of adding an additional driver to your auto insurance may not seem positive until something happened that requires you to use your insurance. For example, if you get auto insurance and only put you on the policy, but have a husband or wife that also drives the vehicle. This may create a problem if you get in an accident and the person driving is not on the policy as a driver, your company may not cover the incident. In addition it is one of the biggest reasons auto insurance prices are steadily rising in the U.S. Another positive is most companies provide discounts for multiple drivers and even more of a discount if you have good driving records.

On the other side of the scale, a negative aspect of adding a driver to your policy is the extra expense it may cost you. For example you may have a great rate, until you add your teenager, or speedy turtle of a spouse. Age, driving record and even gender affect the possible increase that person might add. If you think you need to add a person but want to see if there will be a price difference, ask your agent for a price comparison.

Answered November 15, 2016 by key2616

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