Who Do You Need to Include on Your Auto Insurance Policy?

Do all my family members need to be on my car insurance?backseat shot of someone driving

When you are applying for auto insurance, your insurer will ask you to list all licensed drivers in your household.  But do you have to list everyone, or can you omit some family members from your coverage?  Here’s what you need to know.

  • Who should be listed?

Generally, anyone living under your roof should be listed on your auto insurance policy.  While these people might not drive your car regularly, they might have to depending on the circumstances.  So, all licensed drivers, including teens, elderly adults, roommates, and significant others, should be listed on your insurance policy.

  • Does adding driver affect my premiums?

Adding a new driver to your auto insurance policy may cause your premiums to increase.  For instance, newly licensed drivers are considered risky to insure.  Subsequently, adding this driver to your policy will increase your rates.  Additionally, adding someone with a history of bad or irresponsible driving can also cause your insurance rates to increase.  If you are worried about this rate increase, then you do have an option.  You can choose to list the high-risk driver as an excluded driver.  This means that the individual is not permitted to drive your car under any circumstances.  If the excluded driver does get into an accident while operating your vehicle, then your insurance provider will refuse coverage for the event.

  • I there anyone in my household I don’t have to add?

You do not have to list children on your auto policy.  However, once your child receives their drivers license, they will need to be officially listed.  Some insurance companies will even ask you to list unlicensed drivers on your policy if they are adults.  Speak to your insurance provider to find out the details of your coverage requirements.

This is what you need to know about listing additional drivers on your auto insurance policy.  Do you need more help with your car coverage?  If so, then contact the team at Miller Carlisle Insurance Services.  Our dedicated team is eager to assist you with all your auto insurance needs.