If I add a driver to my car insurance, will it go up?

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Adding a driver to your car insurance can have financial implications. Many people wonder if their insurance premiums will go up when they add another driver to their policy. 

Adding a driver to your car insurance can potentially increase the cost of your insurance premiums. Whether it goes up or not can depend on various factors, such as the new driver’s age, driving history, and other individual risk factors. For instance, adding a young or inexperienced driver might result in higher premiums due to the increased risk associated. Conversely, adding an experienced driver with a clean driving record might not significantly impact your premiums. 

Does adding a driver to insurance cost more? 

Yes, adding a driver to an insurance policy can result in an increase in premiums. The impact on the cost of insurance when adding a driver depends on various factors including:

• Driving record: If the additional driver has a clean driving record, the increase might be minimal. However, if they have a history of accidents or traffic violations, it could lead to a higher premium.

• Age and experience: Younger or inexperienced drivers are generally considered higher risk by insurance companies. Adding a teen driver, for instance, often results in higher premiums due to their lack of driving experience.

• Type of vehicle: The type of vehicle being insured can also affect the cost. Adding a driver to a high-performance or expensive car might increase the premium more compared to a standard vehicle.

• Frequency of use: If the additional driver will frequently use the insured vehicle, insurers might adjust the premium accordingly.

• Location: Insurance rates can vary based on where the vehicle is primarily located and driven. Urban areas with higher traffic density might have higher insurance costs.

When adding a new driver, it’s advisable to inform your insurance company to make sure the policy remains valid and the new driver is adequately covered.

How much does it cost to add a driver to car insurance? 

The cost to add a driver to car insurance can vary based on several factors, including the new driver’s age, driving history, the type of coverage you have. Younger and less experienced drivers often result in higher premiums due to a perceived higher risk.

According to the Insure.com study, here is the average extra expense parents incur when adding a 16/17-year-old driver to their policy:

• Extra expense incurred by adding a 16-year-old: $2,267
• Extra expense incurred by adding a 17-year-old: $1,691

Read our detailed article on Teenage car insurance rates

Final thoughts

Adding a driver to your car insurance can potentially increase your premiums. Insurance companies may see a new driver as a higher risk, so they may charge more to provide coverage. 

However, the exact premium increase depends on factors like the driver’s profile, driving history, and the type of vehicle being insured. Younger and less experienced drivers usually have higher premiums, while a clean driving record can help keep costs down. 

It’s best to contact your insurer for specific information on how adding a driver will affect your rates. 

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