How to Add Another Person on Your Car Insurance

by Melvin Richardson

If you want to add another individual to your auto insurance policy there are specific steps you will need to take. Different states have different requirements. Every insurance company does not have the same policies and procedures in place. Once a new individual is added, your car insurance premiums will increase, and you will receive notification in the mail. You will need to provide the insurance company with specific information for anyone that you want to add to your policy.

Call your insurance company and let them know you want to add another person to your insurance policy. You will need to provide the company with the person's name, date of birth, Social Security number and accident history. Some states will require accident history going back three years and some will need this formation for five years. The insurance company will provide you with all of the details and requirements necessary when adding another person to your insurance policy. Some insurance companies will require that certain people be added to your policy as an excluded driver if they are living in your home. An excluded driver is an individual who is not covered by the auto insurance policy. If they have an accident the damages and injuries incurred will not be covered. The personal information for an excluded driver is not used to calculate insurance premiums and costs. A person who is a rated driver will be covered by the insurance policy and their information is used to calculate your insurance premiums.

Wait for the representative to calculate your new premium. When you have provided all of the information, the representative will quote you a premium based on the information you have provided. The representative will have to verify the person's driving history with the department of motor vehicle. The premium prices you were quoted could change if they information you provided is different from information uncovered by the insurance company. You also have the chance to make any changes to your insurance policy such as the deductible. A higher deductible will lower your insurance premiums.

Wait for the receipt of your policy changes. The insurance company will provide you with all the updates and changes to your insurance policy. Read over all of the terms and conditions and see how they apply to the person that was just added. If there is any language that you don't understand, call your insurance company for further clarification. If you see any discrepancies in the information, call your insurance company and have the necessary changes. Whenever inaccurate information is reported, it could affect your payment regarding a claim.


  • check Adding teenagers or young adults to your insurance policy can increase your premiums significantly.


  • close If you have an excluded driver on your policy and they have an accident you could be held liable for the damages and injuries incurred.

About the Author

Melvin J. Richardson has been a freelance writer for two years with Associated Content, and writes about topics such as banking, credit and collections, goal setting, financial services, management, health and fitness. Richardson has worked for several banks and financial institutions and gained invaluable experience and knowledge. Richardson holds a Master of Business Administration in Executive Management from Ashland University in Ashland Ohio.