Does Geico allow excluded drivers?

Asked by: Prof. Kamren Schulist I  |  Last update: September 30, 2025
Score: 4.3/5 (34 votes)

The purpose of this form is to officially exclude a specified driver from coverage under a GEICO automobile policy. This endorsement is critical for policyholders who may want to limit liability for certain individuals.

Is it possible to list someone on the policy as an excluded driver?

Depending on the state and insurer, you may be able to list someone you live with as an excluded driver, meaning they won't be driving your vehicles. If the excluded driver has a poor driving record, you may be able to reduce your premium.

Can an excluded driver get their own insurance?

What if an excluded driver has their own insurance? Just because a driver is excluded from one policy doesn't mean that they cannot have their own insurance. In fact, if that individual plans to drive and/or has their own vehicle, they will need to purchase auto insurance.

Does GEICO cover permissive drivers?

Most of the big auto insurance companies — Allstate, AAA, GEICO, and USAA — allow for permissive use, but you should always confirm your policy details. If you have a named driver policy with any of those companies, you will not have permissive use.

Can my son drive my car if he is not insured?

If your son has a driver's license, he can still legally operate your car if he has his own insurance, because if he does not have insurance, you become liable for his actions.

How To Add Or View Drivers - GEICO Insurance

38 related questions found

Can I drive my parents car if my name isn t on the insurance?

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.

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.

What happens if I don't add my teenager to my car insurance?

Failing to add your teenager to your auto insurance can lead to coverage denial, legal penalties and policy cancellation. Lack of driving experience and perceived higher risk contribute to higher car premiums for teen drivers.

Does Geico cover unlicensed drivers?

Geico is available to all drivers in every state and typically underwrites cheaper base quotes. Even though Geico is technically a car insurance company that does ask for a license, Geico also sells policies to unlicensed drivers, typically if the car is in storage.

Can my husband drive my car if he is 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.

What states allow excluded drivers?

What States Allow Driver Exclusion?
  • Hawaii.
  • Kansas.
  • Michigan.
  • Minnesota.
  • New York.
  • North Carolina.
  • Rhode Island.
  • Vermont.

How to remove excluded driver from car insurance?

Once in place, the driver exclusion will remain until you ask for it to be removed. To request the withdrawal of an exclusion, contact your insurance company.

What happens if an excluded driver gets pulled over?

What happens if your friend gets pulled over for speeding in your car? Unlike car insurance, which follows the car in the event of a crash, a traffic citation will follow the driver. Your driver will be responsible for the ticket, and the driver's personal car insurance costs may increase.

Does having an excluded driver affect insurance?

Yes, excluding high-risk drivers from your policy can lead to lower premiums because insurance companies base their rates on the risk profile of all the drivers listed on your policy.

Why won't Geico let me remove a driver?

Generally you can't remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don't want him to impact your rate, but that means he will not be covered to drive any of the vehicles you currently insure.

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 Geico have permissive driver?

Providers like GEICO have a permissive use clause to cover a vehicle when it's driven by someone who isn't listed on your policy. Note that depending on your policy, your provider may not cover all of the damages if someone else is in an accident with your vehicle.

Does Geico ask for driver's license?

There are a few things you will need to have handy to help make the process smoother and faster: A valid driver's license. You vehicle identification number (VIN)

What is a non driver for Geico?

This would typically be yourself, your spouse, or your licensed children. A non-active driver would be someone who resides with you who does not drive a vehicle listed on your policy. Such as children who are away at school or a roommate who has their own vehicle and own insurance policy.

Do you have to add a teenage driver to your insurance Geico?

Teen drivers and college students need to be added to your policy if they have a learner's permit or a valid driver license. Roommates who live in your household and regularly operate your vehicle should be added to your policy. Friends can be added to your policy if they regularly drive your vehicle.

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.

Should I add my 18 year old son to my car insurance?

Getting car insurance for a young driver can be pricey due to their lack of driving experience, so a separate policy may not be the best option. In most cases, it's more affordable to add your licensed or permitted teenage driver to your existing auto insurance policy.

What happens if someone who isn't on your insurance crashes your car Progressive?

Allowing another licensed driver to borrow your vehicle is known as "permissive use," which means you give someone, who isn't listed on your car insurance policy, permission to operate your vehicle. If they're involved in an accident, your auto insurance may pay for the damages and injuries, up to your coverage limits.

What happens if my friend is driving my car and gets in an accident?

If your friend or any family members get into an accident while behind the wheel of your vehicle, liability will also take into account whether or not they had driver's permission. California's laws on insurance coverage mean that the car insurance will follow the vehicle, no matter who is driving it.

What happens if you don't add a driver to your insurance?

If someone in your household, who is unknown to your insurance company, gets in an accident, your insurer might rescind or cancel your policy and/or deny your insurance claim because they've been kept in the dark.