If I want to add a driver or vehicle to my insurance, do I need to start a new policy?

If you find yourself thinking, "I need to add a driver or vehicle to my insurance," buy car insurance from a company that can work with the changes in your life without emptying your bank account especially since adding a teenage driver can mean a $5,111 a year increase on your insurance on average. If you're concerned about rates, but you don't want to sacrifice coverage, affordable car insurance is available online.

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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...

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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...

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Reviewed by Laura Walker
Former Licensed Agent

UPDATED: Dec 28, 2021

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The Rundown

  • Drivers do not need to start a new policy to add a driver or vehicle
  • Adding a driver can affect your current insurance rates
  • Drivers can shop online to find insurance companies that offer multi-car discounts

If you’ve recently tapped into your search engine, “add a driver or vehicle to my insurance,” you’re not alone. There are many people who are looking to make major changes to their car insurance policies.

With more and more people choosing to remain in their family home, it can make sense for some families to consolidate multiple drivers and cars onto one policy. Thankfully, doing so is incredibly simple although, it is important to remember that an insurance add-on will change your rates.

Does adding a driver increase your insurance? Not necessarily, in fact, it could lower your rates depending on the driver. If you’re thinking to yourself, “I need to add a driver or vehicle to my insurance,” but affordable car insurance is a necessity, don’t worry.

You can shop online to find insurance companies that offer multi-car discounts along with great rates. Enter your ZIP code to get free quotes if you’ve ever thought, “I want to add a driver or vehicle to my insurance.

How can drivers or vehicles be added to a policy?

Adding a driver or a vehicle to an existing policy is very simple. Some insurance companies will require you to call in and speak to a representative, but the process should take more than a few minutes.

If you are adding a driver, you will need the following information on hand:

  • The driver’s name
  • The driver’s driving license number
  • The driver’s age when they first got their license

With that information in hand, the insurance company will be able to draw up a new insurance card for the driver. You can usually request to have it sent electronically or via the mail.

Adding a car follows the previous steps rather closely; however, instead of a person’s information, you’ll need to have the car’s information handy. An insurance company typically needs:

  • Your car’s vehicle identification number (VIN)
  • Your car’s mileage
  • Your car’s make and model
  • Any lien or lease information

Once again, an insurance card will be drawn up stating that the added vehicle is covered by your insurance and will be sent out to you in the method that you prefer.

Now, if after reviewing these requirements you’re still thinking, “I want to add a driver or vehicle to my insurance,” comparing car insurance quotes should be the next step on your list because adding a driver or a vehicle can potentially cost you.

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Will adding drivers or vehicles affect a policy’s rates?

When you find yourself in a situation that has you realizing, “I need to add a driver or vehicle to my insurance,” reducing car insurance rates may become a priority for you.

Adding a driver or a vehicle will always affect your insurance rates, but exactly how depends upon the individual driver and vehicle. For example, if you add a newly licensed teenager to your policy, you should expect to see a dramatic increase in your rates.

This is because new drivers are considered to be high-risk by insurance companies. Just take a look at the vast difference in rates offered to teenagers and more seasoned drivers:

Average Annual Auto Insurance Rates by Age and Gender

GroupAverage Annual Auto Insurance Rates for a Single 17-year-old FemaleAverage Annual Auto Insurance Rates for a Single 17-year-old MaleAverage Annual Auto Insurance Rates for a Single 25-year-old FemaleAverage Annual Auto Insurance Rates for a Single 25-year-old MaleAverage Annual Auto Insurance Rates for a Married 35-year-old FemaleAverage Annual Auto Insurance Rates for a Married 35-year-old Male
Allstate$9,282.19$10,642.53$3,424.87$3,570.93$3,156.09$3,123.01
American Family$5,996.50$8,130.50$2,288.65$2,694.72$2,202.70$2,224.31
Farmers$8,521.97$9,144.04$2,946.80$3,041.44$2,556.98$2,557.75
Geico$5,653.55$6,278.96$2,378.89$2,262.87$2,302.89$2,312.38
Liberty Mutual$11,621.01$13,718.69$3,959.67$4,503.13$3,802.77$3,856.84
Nationwide$5,756.37$7,175.31$2,686.48$2,889.04$2,360.49$2,387.43
Progressive$8,689.95$9,625.49$2,697.73$2,758.66$2,296.90$2,175.27
State Farm$5,953.88$7,324.34$2,335.96$2,554.56$2,081.72$2,081.72
Travelers$9,307.32$12,850.91$2,325.25$2,491.21$2,178.66$2,199.51
USAA$4,807.54$5,385.61$1,988.52$2,126.14$1,551.43$1,540.32
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Of course, if you are adding a driver who has no moving violations and great credit, you stand a very good chance of seeing your rates decrease.

Adding certain vehicles can affect your rates as well. If you were to buy a brand new Tesla, it wouldn’t be shocking to see your rates rise; however, adding a used Honda Civic would, while it would increase your insurance  a bit, would be far less costly.

Adding a car to your policy can even score you a multi-car discount, also known as a family plan car insurance discount, from most major insurance companies.

How can drivers reduce insurance rates?

In addition to the family plan car insurance discount, there are many other discounts that drivers can use to reduce their rates after adding a new driver or vehicle.

Examine this list of discounts to see how much you could potentially save on your car insurance:

Potential Car Insurance Discounts

Discount TypeAverage Discount Percentage
Anti-lock Brakes5%
Anti-Theft5%
Claim Free5%
Continuous Coverage5-10%
Daytime Running Lights5%
Defensive Driver5-10%
Distant Student5%
Driver's Ed5%
Driving Device/App10%
Full Payment5-10%
Good Student5%
Homeowner5%
Low Mileage5%
Married5-10%
Membership/Group5-15%
Multiple Policies5-10%
Multiple Vehicles5%
Newer Vehicle5%
Passive Restraint2-5%
Safe Driver5%
Vehicle Recovery2-5%
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It’s advisable to refer back to this list whenever you shop for a new policy or simply review your current policy to make sure that you aren’t missing any chances to save money.

Does insurance follow the car or the driver?

All this new information may have you thinking, “Does my insurance cover other drivers?”

Yes, it does because your insurance follows your car. This means that you can avoid adding someone to car insurance temporarily and racking up a bill, especially if the driver is a friend who simply wants to borrow your car for errands.

Now, if said friend is going to be using your car on a regular basis, you should add them to your insurance since they would be a regular operator of the vehicle.

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Adding Drivers and Vehicles to Your Policy: What You Need to Know

If you’ve ever thought, “I need to add a driver or vehicle to my insurance,” a car insurance company that offers multi-car discounts and low rates may be the best fit for you.

While adding a driver won’t always increase your rates unless they’re inexperienced, adding a car will always increase your rates — how dramatic that increase will be is dependent upon the make, model, and year of the vehicle.

Thankfully, if a friend or a neighbor simply needs to borrow your car for the day, you do not need to add them to your policy.

Now, when you find yourself saying, “I need to add a driver or vehicle to my insurance,” buy car insurance from a company that can work with your lifestyle without emptying your wallet.

This is especially important to remember since adding a teen driver could mean an average increase of $5,111 per year on your insurance which is quite a hefty sum.

Enter your ZIP code today and receive free quotes from companies near you if you’ve ever thought, “I want to add a driver or vehicle to my insurance.”

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