Car Insurance For Multiple Drivers Bankrate Caret RightMain Menu Mortgage Mortgages Financing a home purchase Refinancing your existing loan Finding the right lender Additional Resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Bank Banking Compare Accounts Use calculators Get advice Bank reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Credit Card Credit cards Compare by category Compare by credit needed Compare by issuer Get advice Looking for the perfect credit card? Narrow your search with CardMatch Caret RightMain Menu Loan Loans Personal Loans Student Loans Auto Loans Loan calculators Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Invest Investing Best of Brokerages and robo-advisors Learn the basics Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Home Equity Home equity Get the best rates Lender reviews Use calculators Knowledge base Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Loan Home Improvement Real estate Selling a home Buying a home Finding the right agent Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Insurance Insurance Car insurance Homeowners insurance Other insurance Company reviews Elevate your Bankrate experience Get insider access to our best financial tools and content Caret RightMain Menu Retirement Retirement Retirement plans & accounts Learn the basics Retirement calculators Additional resources Elevate your Bankrate experience Get insider access to our best financial tools and content Advertiser Disclosure
Advertiser Disclosure
We are an independent, advertising-supported comparison service. Our goal is to help you make smarter financial decisions by providing you with interactive tools and financial calculators, publishing original and objective content, by enabling you to conduct research and compare information for free - so that you can make financial decisions with confidence.
Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. How We Make Money
The offers that appear on this site are from companies that compensate us. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within the listing categories. But this compensation does not influence the information we publish, or the reviews that you see on this site. We do not include the universe of companies or financial offers that may be available to you. SHARE: On This Page
kate_sept2004/Getty Images July 27, 2022 Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Bankrate logo The Bankrate promise
At Bankrate, we strive to help you make smarter financial decisions. To help readers understand how insurance affects their finances, we have licensed insurance professionals on staff who have spent a combined 47 years in the auto, home and life insurance industries. While we adhere to strict editorial integrity, this post may contain references to products from our partners. Here's an explanation of how we make money. Our content is backed by LLC, a licensed entity (NPN: 19966249). For more information, please see our Insurance Disclosure. Bankrate logo The Bankrate promise
Founded in 1976, Bankrate has a long track record of helping people make smart financial choices. We’ve maintained this reputation for over four decades by demystifying the financial decision-making process and giving people confidence in which actions to take next. Bankrate follows a strict , so you can trust that we’re putting your interests first. All of our content is authored by and edited by , who ensure everything we publish is objective, accurate and trustworthy. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer service, policy features and savings opportunities — so you can feel confident about which provider is right for you. We guide you throughout your search and help you understand your coverage options. We provide up-to-date, reliable market information to help you make confident decisions. We reduce industry jargon so you get the clearest form of information possible. All providers discussed on our site are vetted based on the value they provide. And we constantly review our criteria to ensure we’re putting accuracy first. Bankrate logo Editorial integrity
Bankrate follows a strict , so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers. Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. Bankrate logo How we make money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Bankrate follows a strict , so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service. Bankrate logo Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. When you have more than one driver in the household, getting car insurance for multiple drivers is the best way to ensure all drivers are covered and may save you some money off your car insurance premiums. One auto insurance policy can include multiple drivers and vehicles in many cases and can affect rates by making you eligible for more discounts. Compare rates and save on auto insurance today! Get quotes Close X RatesRates keep going up in 2022. Compare rates and save on auto insurance today! Get quotes Close X This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More RATE INCREASE ALERT Rates increased up to 12% this year
Shop for a better rate before you renew your current policy. This advertisement is powered by Coverage.com, LLC, a licensed insurance producer (NPN: 19966249) and a corporate affiliate of Bankrate. The offers and links that appear on this advertisement are from companies that compensate Coverage.com in different ways. The compensation received and other factors, such as your location, may impact what offers and links appear, and how, where and in what order they appear. While we seek to provide a wide range of offers, we do not include every product or service that may be available. Our goal is to keep information accurate and timely, but some information may not be current. Your actual offer from an advertiser may be different from the offer on this advertisement. All offers are subject to additional terms and conditions. Compare auto insurance rates
Answer a few questions to see personalized rates from top carriers. Save on auto insurance with quotes from trusted providers like: Drivers switch & save an average of $750+/year Arrow Right Are you overpaying for auto insurance? Arrow Right Safe drivers choose Allstate Arrow Right Powered by Coverage.com (NPN: 19966249) Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in . Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way. See more providers in Choose from insurers in Show More Since adding more drivers can impact your car insurance rates, according to Bankrate’s data, it may make sense to shop for the best carrier and rate for multiple drivers. The national is $1,771 per year for one driver and $1,668 per year for two drivers on the same policy with a married discount. Insuring multiple drivers may be a requirement in many cases but combining policies can often earn you savings off your car insurance, and shopping around can help you understand your savings. Can multiple drivers share a car insurance policy
Yes, multiple drivers can share a under certain conditions. With most auto insurance companies, you are required to list all household members on your policy if they have a valid driver’s license and access to your vehicle. Spouses and other household members can share a car insurance policy in many scenarios. In fact, it is usually required by insurance companies to insure all drivers so that the carrier is aware of the household risk while insuring your vehicle. If someone you are not related to lives in your household, you may have to add them as a driver depending on how often they drive your vehicle and your car insurance company’s guidelines. For example, a few companies require roommates to be listed, but others do not have that requirement if your roommate has their own insurance policy. In addition, you cannot add drivers for the sake of consolidating bills or earning discounts. To share a policy, you must have a need to do so, whether from regularly driving the vehicle, shared ownership in the vehicle, or your carrier’s requirements. With multiple drivers on the same policy, . This means insurance companies will pull everyone’s motor vehicle records and claims history to determine risk. In turn, insurance companies will calculate a total premium, and you will get one bill to pay. What is a multi-car insurance policy
A includes more than one vehicle 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. The 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 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 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 in the same household. Insurance company Average annual full coverage premium Average annual minimum coverage premium Amica $1,537 $456 Geico $1,263 $362 Liberty Mutual Rate unavailable Rate unavailable Nationwide $1,343 $550 State Farm $1,392 $454 *Premiums based on married policyholders Amica – With Amica, you can by insuring multiple vehicles and up to 30 percent for buying more than one insurance product from the carrier. Amica also rewards loyalty, offering a discount for staying insured with the company and for children of current policyholders as a legacy discount if they get their own policy with Amica before turning 30. There are several other opportunities for discounts with Amica, like being claims-free or a homeowner. – With Geico, you can add multiple drivers to your car insurance policy. You can by insuring more than one vehicle with the company. If you also insure your home or renters insurance with Geico, you may be eligible to save with a multi-policy discount. – 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 with the company. Discount amounts vary by state and insurance products purchased. – At Nationwide, the more you bundle, the more you may 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. – 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 program is 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 with the multi-vehicle discount and up to $1,127 when combining home and auto insurance with State Farm. How to find cheap car insurance for multiple drivers
One of the best ways to for multiple drivers is to shop around with different carriers. Each company has its own 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 or affect eligibility with a particular carrier. 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 , 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. Additionally, if another household member has a clean record and experienced driving history, it can beneficially impact the rate. Frequently asked questions
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 and drivers on a single policy, usually up to four each. If you exceed the number allowed per policy, you can usually get a second policy with the same company. 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 insurance agent or company. 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.
Does adding a named driver affect your driving record
No, adding a named driver does not affect your driving record, though it can affect your car insurance rates. Only things you do while driving affect your driving record, like getting a speeding ticket or other infractions. Learn more
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2022 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits: $100,000 bodily injury liability per person $300,000 bodily injury liability per accident $50,000 property damage liability per accident $100,000 uninsured motorist bodily injury per person $300,000 uninsured motorist bodily injury per accident $500 collision deductible $500 comprehensive deductible To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. Our base profile drivers own a 2020 Toyota Camry, commute five days a week and drive 12,000 miles annually. Married rates were evaluated based on the following marital status: married, 40-year-old married male and female drivers on one policy insuring a 2020 Toyota Camry. These are sample rates and should only be used for comparative purposes. SHARE: Mandy Sleight has been a licensed insurance agent since 2005. She has three years of experience writing for insurance websites such as Bankrate, MoneyGeek and The Simple Dollar. Mandy writes about auto, homeowners, renters, life insurance, disability and supplemental insurance products. Amy Sims is a managing editor for Bankrate, leading a team responsible for creating educational insurance content. Related Articles