A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 14, 2021

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Important facts to know...

  • When you choose to add your daughter onto your car insurance, there are several things to take into consideration
  • Adding another person to an insurance policy adds additional risk factors and variable that insurance providers will take into consideration
  • These risk factors and variable can increase the amount of money you are charged for coverage, or it can limit the coverage options available to you
  • Before adding your daughter, consider her driving record, her insurance history, and her age
  • If you have questions or concerns about how adding your daughter would impact your policy, speak to your insurance provider before making the change

If you choose to place your daughter on your car insurance, it is a decision that you may want to think through thoroughly before you do.

There are some situations where you may need to add her to your insurance, but her previous record or history can ultimately affect your policy.

It’s important that you take her age, where she lives, her insurance history, and her driving record into account before making a final decision.

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What is your daughter’s age, and what is her driving experience like?

As your daughter continues to grow older, she will gain more experience on the road and behind the wheel. However, she will be considered inexperienced and high-risk while she is young.

Your insurance carrier will often look at her inexperience as a big risk factor, meaning they will usually increase your premium and suggest higher coverage limits to offset her risk and inexperience.

For example, if your daughter is under 21 years old, you may see that your premiums increase by a large amount to compensate for her young age. The longer she is on your policy as a responsible driver, however, you will notice that her premium starts to drop.

Your provider will evaluate her risk levels at different ages, adjusting your premium amount proportionally.

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Where is your daughter currently living?

Where your daughter is living can have a bigger impact on your premium and your insurance requirements than you may realize. When your daughter lives at home, it can be a requirement that you add her to your policy.

Insurance providers will often make the reasonable assumption that someone living in your home may operate your vehicle on a regular basis, so long as they meet the legal requirements to operate a vehicle.

When you first apply for coverage, it’s important that you are honest with your insurance carrier about anyone who lives in your home. They will often ask for this information when they quote your policy and discuss your coverage options, and it can be a problem in the future if you end up filing a claim.

During the process of a claim investigation, if your insurance carrier determines that the individual involved should have been listed on the policy, they may be unwilling to provide coverage for the loss.

Additionally, omitting this type of information during the initial process could be considered an act of fraud, which may have additional consequences.

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What do your daughter’s driving record and insurance history contain?

Your daughter’s driving record can be a major factor when it comes to your policy.

If your daughter has a poor driving record or a series of accidents and violations, she may add a lot of risk to your policy that was not previously there, which can cause your insurance carrier to raise premiums or lower your coverage limits to compensate for the additional risk.

Your daughter’s previous history with insurance carriers and insurance policies is another factor you need to consider. If your daughter has filed a large number of claims in the past, this may be a red flag to any insurance carrier.

Also, if she has not maintained her policies in a responsible fashion, or if she has failed to pay off her premiums, she may be considered high-risk.


When you choose to add another driver — family member or otherwise — it’s crucial that you have all the facts before you make your final decision.

Your insurance provider may have different requirements that any additional driver is required to meet, and failing to live up to these could result in higher premiums or a cancellation of coverage.

Insurance providers often retain the right to cancel or non-renew a policy if they find problems with the individuals listed on the policy.

Your daughter can influence your policy in several ways, so it’s important that you know how this can occur before you add her.

Her age and living situation can be factors that are harder to alter or control, which means you will need to take her driving record and her insurance history into consideration before making your choice.

If she has a high number of violations or claims, you may want to speak to your insurance provider before adding her.

Remember that your insurance carrier is often equipped to look at your policy and help prepare you for the risks that you may face. They can help you assess whether adding another driver will be a good addition to your policy or if it will introduce more risks than you can handle.

If your current provider is unable to meet your needs, or you feel they are not providing you with the best quote, you may want to look at alternative options.

To start your search for a new provider, compare car insurance quotes using our FREE tool!