Car insurance for multiple drivers

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Car insurance for multiple drivers includes coverage for more than one driver on the same policy, which can also include more than one car. Having more than one driver on your auto insurance can affect your rate, but it can also make you eligible for additional discounts. Knowing your options can help you get the best deal on a multi-car policy and determine if it’s a better choice than separate policies.

Can multiple drivers share a car insurance policy?

Yes, multiple drivers can share a car insurance policy, under certain conditions. With most auto insurance companies, you are required to list all household members on your policy if they have a valid license. If someone who does not live with you drives your car regularly, you can also add them to the policy as a non-resident driver.

Spouses and other family members are able to share a car insurance policy. If someone you are not related to has an insurable interest in your car, like a significant other listed as co-owner on your car, they can also share the same policy. However, not all drivers can share policies. You likely wouldn’t be able to purchase a policy with a friend, for example, just to consolidate bills. In order to share a policy, you must have an insurable interest in the vehicle you are insuring.

With multiple drivers, premiums are based on the risk associated with each driver. This means pulling their driving and claims history to determine how much risk the insurance company will take on by insuring them. The premium reflects all drivers on the policy in one amount and is not divided up by driver. Depending on all insureds’ driving records and claims history, the cost of insuring multiple drivers on the same car insurance policy may be higher than your average cost of car insurance. However, if each driver has a clean history, it may lower your car insurance cost with the addition of discounts like safe driving and claims-free.

What is a multi-car insurance policy?

A multi-car insurance policy includes more than one car on the same policy and may have more than one driver. Most auto insurance companies offer a multi-vehicle discount if you insure more than one car. Depending on the company and cost of insurance, it may be cheaper to insure your vehicles on a multi-car policy than with separate policies for each car. Even if you choose separate policies, you may still be eligible for the multi-vehicle discount for having more than one car in the same household insured with the same company. The make and model of the cars you own and the coverage you choose for each reflects in the total cost of insurance.

Best companies for multiple drivers

The best car insurance companies for multiple drivers may not be the same for everyone. Getting the best deal on car insurance is based on several factors, including driver-specific information such as age, marital status and ticket and accident history. While factors such as age and marital status do not impact premiums in all states, they may influence which company multiple drivers decide is best for them if they are planning to be insured on the same policy.

These companies allow multiple drivers to be added to the same policy and also offer a multi-car discount for more than one car insured at the same household.

  • Amica – With Amica, you can save up to 25% by insuring multiple vehicles and up to 30% for buying more than one insurance product from the carrier. Amica also rewards loyalty, offering both a discount for staying insured and for children of current policyholders as a legacy discount if they get their own policy with the company before turning 30. There are several other opportunities for discounts with Amica, like being claims-free or a homeowner.
  • Geico – With Geico, you can add multiple drivers to your car insurance policy. You can also save up to 25% by insuring more than one car with the company. If you also insure your home or renters insurance with Geico, you may also be eligible to save with a multi-policy discount.
  • Liberty Mutual – Safe drivers may be eligible for the accident-free and violation-free discounts with Liberty Mutual for maintaining a clean record. There are also discounts for having more than one car and your home or renters insurance with the company. Discount amounts vary by state and insurance products purchased.
  • Nationwide – At Nationwide, the more you bundle, the more you can save. Nationwide offers a multi-car discount, plus a multi-policy discount if you insure your home, renters, boat, life insurance or motorcycle with the insurer. Eligible drivers can also stack discounts for being accident free, a good student and a safe driver with no tickets or accidents in the last five years.
  • State Farm – If you have a young driver in the household, State Farm offers several discounts that can make it more affordable to insure this age group. The Drive Safe & Save and Steer Clear programs are designed to make drivers more attentive and aware, rewarding them for good driving habits. Students can also get a good student discount if they have a B or above average. You can save up to 20% with the multi-vehicle discount and up to 17% when insuring other insurance products with State Farm.

How to find cheap car insurance for multiple drivers

One of the best ways to find cheap car insurance for multiple drivers is to shop around with different carriers. Each company has its own set of risk guidelines, discounts and rate structures that can change how much you pay for car insurance for multiple drivers. Each person’s driving record and claims history will be reviewed, so if one driver has a risky background, it could increase the cost of the entire policy.

While there is an increased likelihood of risk, a multiple driver policy may also make you eligible for more savings opportunities. You may be able to keep the price low with other discounts, like insuring more than one product, being affiliated with an organization, being a safe driver, having low annual mileage and driving a car with safety features.

Frequently asked questions

Can you have two main drivers on car insurance?

Yes, you can have two main drivers on a car insurance policy. Most companies assign a driver to each car, although others may just note listed drivers. If someone drives a specific car in the household, they should be assigned to the car they drive the most.

How many drivers can you have on your insurance?

How many drivers you can have on your insurance policy depends on the company. Most companies allow up to a certain amount of vehicles on a single policy for organizational purposes, although you may still pay a single multi-car insurance premium. Some companies may allow a higher number of insured vehicles than others. If you are unsure how many drivers or cars you can add, you should ask your insurance company.

Does adding a named driver affect your insurance?

Yes, adding a named driver to your policy would affect your insurance premium to account for the named driver’s individual risk factor. Additionally, if the named driver gets into an accident, the claim would go under your shared vehicle policy.

How do I add another driver to my insurance?

To add another driver to your insurance, you should call or email your agent. If you have online account access or use the insurance company’s mobile app, you may be able to add them there. You will typically need the driver’s full name, date of birth, driver’s license number and reason they are being added.

Written by
Mandy Sleight
Insurance Contributor
Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate.com, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products.
Edited by
Insurance Editor