Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Mar 10, 2019

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Important facts to know...

  • It is not always necessary for you to add a driver to your auto insurance policy if that driver is only borrowing your car for a short period of time like a week
  • If the driver who you are considering having added to your auto insurance policy has his or her own separate auto insurance coverage, then adding that person to your policy is probably not necessary
  • If you are the policyholder, then you are liable for the damage caused by any other party who is driving one of the insured vehicles on the policy
  • Physical damage coverage, such as a comprehensive or a collision policy, extends to the actual vehicle that is insured rather than the driver named under a policy
  • Every auto insurance company has a different policy in terms of how many drivers can be added on any single auto insurance policy and what their relationship to the policyholder must be

One of the reasons that you might be considering having another driver added to your auto insurance policy is that

If the other driver is already insured through his or her own insurance policy, then it may not be necessary to have that driver added to your insurance.

You will need to check with your current auto insurance company about adding another driver because all companies handle additional insured drivers differently.

The length of time that the additional driver will be added to your policy is not really important because you are free to have that driver removed from your policy at any point as the policyholder.

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Adding a Driver to Your Car Insurance Policy

The process of adding a driver to your car insurance policy starts with a simple phone call to your current car insurance provider to update your coverage. If the driver lives at your current residence, you will likely be able to have that person listed on your insurance policy.

There are certain restrictions that an insurance company may have on whether a driver can be added to an existing policy, such as that the driver must be considered a dependent or a spouse of the named policyholder.

This will vary by auto insurance company, so you will need to check with your specific insurance provider on any specific restrictions on this.

If someone is going to borrow your car for a short period like a week, then it may not be necessary to have this driver added to your policy because he or she will have permissive use of your vehicle.

This is especially true if that driver already has an auto liability policy on his or her own.

It is likely that another licensed driver already has some form of an auto liability policy because it is a legal requirement to drive a car on public roads in almost every single state.

The liability policy of that particular driver follows that driver no matter what vehicle he or she is driving. If you have any type of coverage for physical damage to your car, then that policy is in effect for the car regardless of which driver is using it.

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Insurance Considerations for Having Another Driver on Your Insurance Policy

The Price of Your Premium

Adding another driver on your auto insurance policy could increase the price of your premium for that policy.

If the driver that you are seeking to add has a very bad driving record with lots of tickets for traffic expenses, then you should brace yourself for a higher increase in the price of your policy.

If you are only having a driver added temporarily to your policy, then this may not be as big of a concern because your policy will revert to the previous price.

Shopping Around

If in making changes to your policy you find that the rates you are quoted are too high, this may be a good indication that it is time to
shop around for additional insurance options. It is easy to get a variety of quotes for different insurance options online.

When you are getting quotes for different auto insurance policies, be sure to list all the drivers in your household who will need to be added to your auto insurance coverage.

Keep in mind that you can always call your insurance agent and have a listed driver on your policy removed at a later date.

Your Responsibilities as the Named Policyholder

The Policyholder is Responsible for Payments

Another important consideration in adding another driver to your auto insurance policy is that you will still be responsible for making all payments on the premium of your policy as the named policyholder.

If you fail to make the required payments for your car insurance coverage, then you risk having your coverage dropped.

This could put you in a huge bind because you will not have coverage for any claims that may be filed against you, and you will also not be complying with your state laws on maintaining a certain amount of auto insurance coverage.

Exclusions on Your Policy

If the additional driver to be added to your policy drives a luxury or fancy car, this could be another way that the cost of your premium could increase.

On the other hand, if the additional driver is going to be using one of the cars already listed on your car insurance policy, then you will not have to worry about the type of car affecting your premium.

In case there are any cars on your policy that you do not want the additional driver to access because of cost considerations, you need to make that exclusion clear to your auto insurance company when signing them up.

Final Thoughts on Adding a Driver to Car Insurance for One Week

 

If you are looking into having an additional driver listed on your car insurance policy, the first step is to call the auto insurance company to make sure that it is even possible to have more drivers added to your policy.

If you are able to add another driver to your car insurance, then you can have that driver removed after any period of time, including after just one week of coverage.

To do that, you would just need to make another call to your auto insurance company to have the driver removed. Before you go through the process of having a driver added, make sure that it is actually necessary to add the driver to your policy.

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