Car Insurance for Multiple Drivers: How It Works
Adding a spouse, child, or roommate to your car insurance is often cheaper than each driver having their own policy.
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Written byAly J. Yale
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National Association of Real Estate Editors member
Bylines include Forbes, Bankrate, and CBS News
Aly is a reporter specializing in real estate, mortgages, and personal finance. You can find her work in Hearst newspapers and numerous financial publications.
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Edited bySarah Archambault
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Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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Table of contents
One car insurance policy can cover multiple drivers. A multi-driver policy is common for many families and shared households.
But having additional drivers on your policy can affect your rates. Each person’s driving record, gender and age, the vehicle they drive, how often they drive, and other factors all play a role in the price of your premium.[1]
Here’s what you need to know about adding drivers to your car insurance policy.
Quick Facts
Drivers on the same policy may need to live at the same address.
A multi-driver policy is often cheaper than multiple policies and premiums.
USAA, GEICO, and State Farm offer the cheapest car insurance for multiple drivers.
How to add multiple drivers to your car insurance
If you already have a car insurance policy and want to add another driver, you’ll need to contact your insurance agent. With some insurers, you may be able to make the change online in your customer dashboard.
To add someone, you’ll need the following personal information:
Name
Driver’s license number
Age they first got their license
Date of birth
If you’re adding that driver’s car, you’ll also need vehicle information, including its make, model, year, and vehicle identification number (VIN).
Typically, you can add a new driver to your policy at any time — as long as you share the same permanent address.
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Cheapest car insurance for multiple drivers
The cheapest car insurance companies for multiple drivers depend on your location and factors specific to you and the other drivers on your policy. But generally, USAA, GEICO, State Farm, Erie Insurance, and Allstate have the best rates.
Below are average monthly liability-only rates to insure two married drivers — one of the most common multi-driver scenarios. You may be able to save more by adding additional drivers, bundling your auto policy with homeowners or renters insurance, or choosing a deductible.
Ask your insurance company about other discounts for safe driving, good students, and what other potential discounts you may qualify for.
Insurance Company  | Average Monthly Quote |
|---|---|
| USAA | $88 |
| GEICO | $104 |
| State Farm | $104 |
| Erie | $109 |
| Allstate | $119 |
| Safeco | $131 |
| American Family | $148 |
| National General | $150 |
| Progressive | $156 |
| Nationwide | $163 |
| Clearcover | $169 |
| CSAA | $173 |
| Travelers | $173 |
| Liberty Mutual | $186 |
| Elephant | $190 |
| Farmers | $213 |
| The General | $221 |
| AssuranceAmerica | $230 |
| Amica | $340 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Who to add to your car insurance policy
Adding someone to your car insurance policy is often a good idea if you live together — even if they only drive your vehicle occasionally or have their own car. Being on the same policy is common for people who live together who are related, married, or engaged.
Here’s a breakdown of some different people you might want to add to your policy.
Roommate
You can typically share a policy with other household members, like a roommate, as long as you park at the same address. This may qualify you for lower premiums than if you had two separate policies.
You may also want to add your roommate to your policy if they occasionally drive your vehicle — like if they borrow your car while you’re out of town. This will ensure your policy covers any damage while they’re behind the wheel.
You can add a roommate to your policy, or they can add you to their policy. In some cases, it may be cheaper to get a new policy together. Check with your insurers, and shop around to find the best rates for your situation.
Good to Know
Splitting an insurance premium carries a bit more risk than taking turns buying groceries. Your rates could go up if your housemate gets in an accident — especially if it’s serious. Consider how closely you want to be tied to a non-relative before deciding to share a policy.
Teen driver or college student
Another time you may want to add a driver to your policy is when your teen driver gets their learner’s permit or driver’s license. If they have a vehicle of their own, you’ll need to add their car to your policy, too.
Your child can typically stay on your policy when they’re away at school, like college. But their primary residence — where they spend summer and school breaks — must still be your home address.
Keep in mind that adding a young driver to your policy can send your premiums up significantly. Drivers ages 15–19 have the highest rate of accidents across all age groups.
Spouse
If you’re married (or getting married) and live at the same address, you may want to add your spouse to your policy. Some insurers might even require it.
Sharing a policy can make for easier bill payments. You only have to manage one insurance payment per month as a household, and it could save you money or qualify you for valuable discounts on your premiums.
Can I add someone to my car insurance who doesn’t live with me?
Typically, you must live with someone or be related to them in order to share a car insurance policy. One exception is if your child is a college student and currently away at school. In this scenario, they’d need to still share a permanent address with you and spend their summers and school breaks in your home, but they could reside elsewhere the rest of the year.
Some insurers also let you add non-family members to your policy, like a friend who borrows your car regularly or a babysitter who uses your vehicle to drive your kids. Your policy may also cover occasional drivers if it allows for permissive use — meaning you gave your friend or neighbor permission to borrow your car. Check with your insurer about coverage options.[2]
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Best car insurance for multiple drivers
If you want to add someone to your car insurance policy, make sure you shop around to find the best rates. Each insurance company offers different coverage, premiums, and discounts. Comparing quotes can ensure you get the best policy at the best price.
See below for three of the best insurance companies for policies with multiple drivers.
State Farm: Best for parents
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $55/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $117/mo |
4.1
Best choiceBased on 11,208 verified guest reviews and ratings
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
Customer service
Competitive rates
Discounts for safe drivers
Reviews (6,023)
Connie
June 15, 2025
Verified Review
Lack of Communication and Unexplained Premium Increases
It seems like my monthly premium goes up every few months without any explanation. I have only had one minor accident with them almost three years ago. They did process the claim right away and let me take it to the place I requested, which was nice because they did a great job fixing it.
Mark
June 14, 2025
Verified Review
State Farm: Reliable and Fair
Auto premium spiked but it may be related to owning a Tesla, and it appears to be in line with other insurers.
Conrad
June 13, 2025
Verified Review
Good and Bad with State Farm
Long-term customer, great rates. Local agents are terrible with poor office management and poorly trained/motivated employees.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you want to add your teen or college-aged child to your policy, State Farm is your best bet. The company offers a good student discount of up to 25% if your student gets good grades, and the company also offers discounts for drivers completing a driver’s education course or attending school away from home.
Pros
Low premiums
Several available discounts
Consistently rated one of the top insurers for customer satisfaction by J.D. Power
Cons
Low Better Business Bureau rating
Safe driver program not available in all 50 states
Gap insurance not available (only “payoff protector” if you finance your car with State Farm)
USAA: Best for military households
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $48/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $99/mo |
4.9
Best choiceBased on 2,093 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,191)
Marlon
June 15, 2025
Verified Review
Don't let them hook you
Don't renew with USAA the first year. Go to another company for the first 6 months after your USAA policy expires. Then, when that one expires, check back with USAA for the following 6-month period. USAA will give a better rate when you come back than they would have if you had stayed with them all along.
Timothy
June 10, 2025
Verified Review
The Old Bait and Switch
There's no flexibility, and if you miss your first payment by a day, they will cancel your policy. Then, they make you get a new quote and double the price for half the coverage. It's unbelievable that they treat veterans and their families like that.
Norman
June 7, 2025
Verified Review
USAA Value
Expensive for coverage.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA has the lowest premiums for married couples, according to Insurify’s analysis. But only military members, veterans, and their families qualify for coverage. The company also offers banking and a 30% discount for enrolling in its SafePilot program.
Pros
Low premiums
Several available discounts
Offers other financial services, like banking
Cons
Not all drivers qualify
Limited brick-and-mortar locations
Customer service not available on Sundays
GEICO: Best for discounts
| User Reviews | 4.0 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.2 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $121/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
4.0
Best choiceBased on 11,947 verified guest reviews and ratings
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
How drivers feel about GEICO
Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.
AI-generated from the text of verified reviews collected by Insurify
Best For
Teen drivers
Cheap rates
Accident forgiveness
Reviews (6,421)
William
June 10, 2025
Verified Review
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
There was no problem. If I had a problem or a question, it was rectified. Howard, who was our service representative, was helpful. My son is the reason I don't have it now.
Peter
June 8, 2025
Verified Review
Average Insurance. Constant Price Hikes.
Beware of the constant price hikes despite having no accidents or tickets for 40 years.
Philip
June 5, 2025
Verified Review
High Price for Full Coverage
They are good but offer no rate deductions.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.59A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
If you’re simply on the hunt for the lowest premiums, look to GEICO, which offers more than a dozen potential discounts — some that could save you up to 25%. You’ll find discounts for safe driving, airbags or anti-lock brakes, taking a driver’s education course, getting good grades, having multiple cars on the policy, and more. You can even get a premium discount for buying a new car.
Pros
Low premiums
Many available discounts
Lots of customer service options
Cons
Below-average J.D. Power customer satisfaction ratings
Gap insurance not available
Can be hard to find an agent unless you live in a big city
To choose the best car insurance companies for multiple drivers, we looked at average premiums, discount options, availability, customer service, coverage options, and other details. To learn more about each insurer we choose, see Insurify’s State Farm review, GEICO review, and USAA review.
Factors affecting premiums for multiple drivers
Car insurance premiums can vary quite a bit from one policy to the next. Some factors that could affect what you and the other drivers on your policy pay for auto insurance include:
Driving record
If one or all of you have a history of traffic violations and accidents, it could increase your costs, especially for a serious offense like a DUI.
Age and gender
Younger drivers and men typically pay more for insurance, as they’re more prone to accidents.
Vehicle type
The make, model, and age of your cars also play a role. Cars that are more prone to theft, accidents, or repairs cost more to insure. Cars with certain safety devices can also qualify for premium discounts.
Credit history
The credit history of you and your fellow drivers factors in, too. Higher credit scores and a better payment history can help you get lower premiums.
If you or another driver has a car accident and is primarily at fault, the policy’s premium will increase by a certain percentage. This increase will remain in place for three years following the insurance claim.[3]
Car insurance and multiple drivers FAQs
See the additional information below to learn more about sharing an insurance policy with family members or other drivers.
How does insurance work with multiple drivers?
If you have multiple drivers on your policy, it means your insurer will cover all drivers in the event they get in a wreck or need to file a claim. It also may qualify you for a discount on your premium.
How many drivers can you put on one insurance policy?
It depends. Some insurers allow you to insure up to four drivers on the same policy, while others may allow more.
Can multiple people insure one vehicle?
Yes. You can have multiple drivers on the insurance for the same vehicle. This will ensure they’re covered if they have an accident while driving that car.
If you’re insuring two cars, do you have to list all the drivers?
Insurance companies typically require you to list all the licensed drivers at your address when taking out a policy. In some cases, you may be able to exclude a driver from coverage.
What does adding a driver to your insurance do?
Adding a driver to your car insurance policy ensures they’re covered if they get into an accident while driving your vehicle. If they have their own vehicle, you’ll want to add that to the policy, too (it could also qualify you for a multi-car discount).
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Nolo. ""Permissive Use" Car Insurance Coverage."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
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Aly J. Yale
Aly J. Yale is a freelance writer and reporter covering real estate, mortgages, and personal finance. Her work has been published in Forbes, Business Insider, Money, CBS News, US News & World Report, and The Miami Herald. She has a bachelor’s degree in radio-TV-film and news-editorial journalism from the Bob Schieffer College of Communication at TCU and is a member of the National Association of Real Estate Editors.
Aly has been a contributor at Insurify since September 2023.
Edited bySarah Archambault
Experienced personal finance writer
Background working with banks and insurance companies
Sarah enjoys helping people find smarter ways to spend their money. She covers auto financing, banking, credit cards, credit health, insurance, and personal loans.
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