Does Adding Driver Increase Insurance?

Adding a driver to your car insurance policy can be a tricky decision. On one hand, having multiple drivers on your policy will often result in lower premiums; however, it can also lead to higher premiums in certain cases. In this article, we’ll discuss the various factors that influence whether or not adding a driver will increase your insurance rates. We’ll also provide tips and advice on how to get the best deals when adding a driver to your policy. By the end of this article, you should have a clearer understanding of what to expect when deciding whether or not to add extra drivers to your policy.

How Much Does Adding a Driver Increase Insurance?

Adding a driver to your insurance policy will usually increase your rates. The amount your rates increase depends on several factors, including the driver’s age, gender, driving record, and more.

Adding a young, inexperienced driver to your policy is one of the surest ways to see a rate hike. Insurance companies view inexperienced drivers as high-risk, and they charge accordingly. If you’re insuring a teenage driver, be prepared for some sticker shock when it comes time to renew your policy.

Another factor that can impact your rates is the gender of the driver you’re adding. In general, insurers view male drivers as being more risky than female drivers. As such, adding a male driver to your policy is likely to result in higher rates than if you added a female driver.

The driving record of the driver you’re adding is also going to be a factor in how much your rates increase. If the driver has a clean record, you’ll probably see only a small rate hike (if any). However, if the driver has accidents or moving violations on their record, expect your rates to go up significantly.

Ultimately, how much adding a driver will impact your insurance rates depends on many factors. To get an accurate estimate of how much it will cost to add someone to your policy, contact your insurer and provide them with all relevant information about the potential new addition.

Factors That Determine How Much Your Insurance Will Go Up

There are a few different factors that insurers take into account when determining how much your rates will increase after adding a driver to your policy. Some of the most important factors include:

-The age, gender, and driving record of the new driver. If you’re adding a young, male driver with a poor driving record to your policy, you can expect your rates to go up quite a bit. On the other hand, if you’re adding an experienced female driver with a clean record, your rates may not increase by much at all.

-The type of vehicle being insured. If you’re insuring a high-end sports car or luxury SUV, your rates will almost certainly go up after adding another driver. However, if you’re insuring a more modest sedan or SUV, the impact on your rates may not be as significant.

-The amount of coverage you have. If you have basic liability coverage, your rates will almost certainly go up after adding another driver (since you’re now insuring two vehicles). However, if you have comprehensive and collision coverage, the impact on your rates may not be as significant since both vehicles are already covered.

When to Add a Driver to Your Policy

If you’re wondering when to add a driver to your policy, the answer is usually when they become a licensed driver in your household. However, there are some other circumstances when you might need to add a driver to your policy. For example, if you have a teenage driver who only drives occasionally, you might not need to add them to your policy until they start driving more regularly.

If you’re adding a driver who isn’t related to you (such as a spouse or partner), then you’ll need to make sure they meet your insurer’s requirements for being added to your policy. Usually, this means they must have a clean driving record and be over the age of 25.

Adding a Teenage Driver to Your Policy

Adding a teenage driver to your policy will most likely increase your insurance rates. This is because teenagers are considered high-risk drivers. They have less driving experience and are more likely to be involved in an accident.

There are a few things you can do to help offset the cost of adding a teenage driver to your policy. One is to make sure they take a defensive driving course. This can help lower your rates. Another is to have them drive a car with safety features like airbags and anti-lock brakes. This can also help lower your rates. Finally, you may want to consider raising your deductibles. This will lower the amount you have to pay if they are involved in an accident.


Adding a driver to your car insurance can have both positive and negative consequences. On one hand, it might increase your premium if the additional driver is considered high-risk. But on the other hand, having an extra driver could help reduce costs if they are seen as low risk or you add them as a named driver only. Ultimately, whether adding another person to your policy will be beneficial or not depends on who that new person is and what type of coverage you already have in place. This decision should always be carefully reviewed with an agent before making any changes to ensure that you get the best results for your needs.