Can I add someone to my auto insurance who doesn't live with me?

Asked by: Dr. Trace Ziemann  |  Last update: August 12, 2022
Score: 4.4/5 (49 votes)

Providers usually don't allow you to add a non-related driver to your policy who doesn't live with you. Typically, car insurance covers the vehicle's owner and family members in the same household.

Can I add someone who doesn't live with me to my car insurance?

No, you cannot add someone who doesn't live with you to your car insurance in most cases. College-aged students who aren't living at home but still use their parents' home as their permanent address are the biggest exception to this rule.

Can I add my girlfriend to my car insurance if we don't live together?

In most cases, you can add an unmarried significant other to your car insurance policy if you both share a permanent residence. Sharing car insurance with another person may result in a lower price than purchasing two separate policies.

Can I be on someone else's car insurance with different address?

While it may be tempting to use someone else's address for car insurance to get better rates, you should not do this. If your car insurance address is different to your home address, that's fraud. Letting someone use your address for car insurance also falls into the fraud category.

Can you be on the same insurance if you don't live together?

Most car insurance companies require that all household members be listed on your auto insurance, whether they are married or not. If unmarried persons own their cars individually, they must have separate auto insurance policies too.

How to Add a Person to Your Car Insurance if You Live Together : Car Insurance Info

17 related questions found

Can I insure my daughters car if she doesn't live with me?

Unfortunately, because the car and your child are not located at your house anymore, they cannot stay on your car insurance policy.

Can I put my girlfriend's car on my insurance?

Yes, you can add your girlfriend or boyfriend to your car insurance. If you live at the same address, your car insurance company will consider them a member of your household.

What information do you need to add someone to car insurance?

How to Add Someone to Your Auto Insurance Policy
  1. Legal name.
  2. Birth date.
  3. Gender.
  4. Occupation.
  5. Social Security number.
  6. Years of driving experience.
  7. Driving history.
  8. Vehicle make, model and year if applicable.

Can I share car insurance with someone else?

If both cars are kept at the same address overnight, you can share a policy, even if you drive different vehicles or don't share a last name. Adding a roommate to your auto insurance will raise the cost of your individual policy, but it could be lower than the combined cost of two separate policies.

Can I be on my boyfriends insurance?

Most insurance companies allow unmarried couples to combine coverage—and thereby get discounts and other valuable benefits. But again, not all insurance agents or companies will offer these benefits to an unmarried couple.

Can someone else insure my car if the title is under my name?

While the person who owns the car is usually the one who insures it, most states will allow someone other than the owner to pay for a car policy. However, many driver's insurance providers will only insure a car if the policyholder and car owner are the same.

What happens if someone wrecks your car and they aren't on your insurance?

That means any damages to the car you've borrowed won't be covered by your insurance and you may need to pay out of your own pocket. The car owner's insurance is not likely to cover the damages unless you're a named driver.

Can I add a car to my insurance that is not in my name GEICO?

Yes, Geico will insure a car that is not in your name if you live in a state where the name on a car's registration and insurance do not need to match and you can prove “insurable interest.” To prove insurable interest, you must be able to prove direct financial loss if the car in question is damaged or destroyed.

Can I let my boyfriend drive my car?

Answer provided by. “You can let your boyfriend drive your car on occasion. As long as he has your permission to drive your car, your car insurance will likely cover him. But if he gets into an at-fault accident and the costs of the accident exceed your coverage limits, you'll be responsible for any remaining balance.

Can I insure my car at my parents address?

Unless your primary address is still your parents', using your parents' address for auto insurance after moving out is invalid and illegal.

Can I insure a vehicle I don't own?

Non-owner car insurance is just what it sounds like. It's a type of car insurance coverage that people can purchase when they drive a car, but they don't own one. It will protect you from the financial burden of having to pay out of pocket for injuries or property damage resulting from an at-fault crash.

Can I insurance a car that is not in my name?

Can you insure a car without the title being in your name? Generally, you cannot insure a vehicle that you do not own.

Does adding a driver to insurance cost more GEICO?

Typically, adding another vehicle will increase your rates more than adding a new driver to an already covered vehicle, especially if you two have similar risk profiles. The only way to know for sure what the rate increase will be is to get a quote from GEICO.”

Can someone drive my car if they are not on my insurance progressive?

As long as you gave them permission to drive your car, then they should be covered. Their policy extends to your car and covers them the same way as if they were driving their own car. Damages they cause to others' cars, property, or even injuries are covered.

Does car insurance follow the car or the driver?

Unless you're a 'named driver' on their car insurance, you almost certainly won't be insured. And both the driver and car owner can run into trouble if caught without the necessary cover.

Does my insurance go up if someone else was driving?

Phew! Auto insurance premiums are based on your driving record, as well as the records of any other drivers listed on your policy. If you give someone permission to drive your vehicle but they're not listed on your insurance policy, it won't affect your insurance premium if they get a ticket.

Can my dad insure my car?

You cannot be on your parents' car insurance if the car is in your name and you are listed as the sole owner. Your parents can't insure your car unless they are listed as owners. So if you are thinking about buying your own car, it is a good idea to ask for quotes from several insurance companies first.

Who qualifies as a domestic partner?

Domestic partners are two persons, each aged 18 or older, who have chosen to live together in a committed relationship, who are not legally allowed to marry in the state in which they reside, and who have agreed to be jointly responsible for living expenses incurred during the domestic partnership.

Can one person have two car insurance policies?

The short answer is 'no'. The long answer is that there's generally no advantage to having double policies for your car insurance. The only time you might want an extra insurance policy is if you have two cars or are driving someone else's.

Can you have 2 auto insurance policies?

It's perfectly legal to have two auto insurance policies on one vehicle. Nonetheless, your insurance company may not be willing to insure the same vehicle twice. You may have to buy a second policy from another insurer and pay both bills.