Can I let my girlfriend drive my car?
Asked by: Lucas Nikolaus | Last update: January 8, 2026Score: 4.6/5 (25 votes)
Can my girlfriend drive my car if she is not on my insurance?
Yes, as long as that person is legally licensed to drive. In the USA, most if not all car insurance policies cover the occasional driver who is known by you and for which you give that person permission to drive your car. Be careful if you have a ...
Can I let my girlfriend borrow my car?
As long as you give the person permission and they only drive the car occasionally, there shouldn't be an issue. Accidents, however, can happen anytime. Even a minor accident can cause confusion about whose insurance covers the damage. Find out what happens when you lend your car to a family member or friend.
Can you get in trouble for letting someone use your car?
In any case, you won't go to jail assuming you didn't deliberately cause a car accident or steal your friend's car, and it's not illegal (in the US) to lend somebody your car even if they don't have any insurance. Obviously, one would still need a driver's license. (Source.)
Is it OK to let other people drive your car?
Yes, if they have a license and also very importantly insured to drive your car... As long as you can trust it'll be looked after!
I Let My Girlfriend DRIVE My Lamborghini Aventador SVJ *GONE WRONG*
Does insurance cover if someone borrows your car?
California requires all motorists to carry at least liability insurance on their vehicles. If you have insurance coverage on your car, the licensed driver you let borrow it will also be covered under your policy.
Can I give permission for someone to drive my car?
Most of the time, as long as you gave a driver permission to borrow your car, it's likely not a problem for them to drive your car, even if they're not on your car insurance policy.
Can my son drive my car if he is not insured?
Most insurers cover someone else driving the policyholder's car with their permission once in a while. But, if you're going to start driving one of your parent's cars regularly, you'll need to be added or named on their auto insurance. You can't legally drive your parents' car without any insurance at all, either.
Am I insured to drive another car?
To legally drive a car that is not yours, even if it belongs to friends or a family member, you need insurance. You can get insurance as a named driver on their car insurance policy, take out temporary insurance, or you have your own car insurance policy that includes DOC.
What are the risks of letting someone borrow your car?
You may not be covered if the borrower uses your car for business purposes. If your friend drives your car to deliver goods, transport passengers, or perform any other commercial activity, your personal insurance policy may not cover the accident.
What happens if you don't add a driver to your insurance?
A driver who lives in your household and isn't listed on your auto policy may be denied coverage if they borrow your vehicle and are involved in an accident. Family members who live in your household and drive your vehicle, including a teenager or your significant other, should be listed as drivers on your policy.
Can someone drive my car if they are not on my insurance Geico?
Some states require the car owner's insurance to cover any accidental damage, so if they're not insured or don't have the right coverage, as the driver you may end up being liable.
Can my partner use my car?
You can share cars: You're covered when driving each other's cars. No need to let your insurer know who's driving what or when.
What happens if a driver is not listed on an insurance policy?
You regularly allow a family member or friend to drive your car, but they aren't named on your auto policy. If this person gets in an accident while driving your car, your insurance company will likely deny your claim, leaving you liable for the damages.
What happens if my girlfriend gets in an accident in my car?
If someone else crashes your car, what happens next depends on various factors. In general, your insurance company will cover the accident if the person driving had permission to use your car and caused the accident. If they didn't cause the accident, the at-fault driver's coverage usually kicks in.
Does insurance go up if you add a driver?
Typically, adding drivers to your policy can increase your premium. For example, there is a reason adding a teenage or newly licensed driver to an auto policy can result in an increase in insurance premiums.
Can my wife drive my car if she's not on my insurance?
Usually, yes. Your car insurance coverage should be able to extend to anyone else driving your car. Even if someone isn't listed on the policy, they can operate your vehicle. If you explicitly name someone as an excluded driver in your policy, however, none of this applies to them.
Can I add someone else's car to my insurance?
Just make sure you have the necessary info for each vehicle handy before updating your policy. Insurance for someone else's car: If you and the other vehicle's owner both live in the same permanent residence and are named insureds on the policy, then you can typically add their vehicle.
Does my car insurance cover other drives?
Contrary to popular belief, car insurance typically follows the car — not the driver. If you let someone else drive your car and they get in an accident, your insurance company would likely be responsible for paying the claim, depending on the coverages in your policy.
What happens if someone borrows your car and gets in an accident?
Vehicle Owners Are Liable Under California Law
This law holds a vehicle's owner responsible for collisions caused by the driver of the vehicle – even if the driver is not the owner. Liability is determined by identifying the actual owner of the vehicle.
Can my son drive my car if he doesn't live with me?
If your son doesn't live with you but needs to borrow your car, he can do so with your permission. It is known as permissive use, which means that when someone who doesn't live with you gets permission to borrow your car, they are also “borrowing” your auto insurance coverage.
Does my name have to be on the car insurance to drive it?
Borrowing a car from a friend or family member
In many cases, you will be covered by their insurance, even if you are not named as a regular driver on the policy.
Can I drive my boyfriend's car if I'm not on his insurance?
If you're specifically listed on the car owner's insurance policy, you'll be covered when driving that car – even if it's not your own. If you're not on the owner's policy, applicable coverage will again depend on consent.
Can I let my friend borrow my car?
Non-household members will generally also be covered by your policy if you give them permission to use your car. Drivers with permission to use your vehicle are called “permissive” drivers. Suppose you lend the car to a friend, who causes an accident.
How do I write an authorization letter to allow someone to drive my car?
To fill out this document, begin by entering your name as the vehicle owner. Next, provide the necessary identification details and the vehicle information. Finally, authorize the designated driver by including their name and signature.