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Are you asking yourself “Who the heck can insure my vehicle?”

It’s no secret that your car needs to be insured in order to be driven on the road.

However, what happens if you cannot insure your vehicle for one reason or another?

Is someone else able to insure your car?

What if I own a car, but somebody else drives it for me – can that person insure my car?

While every situation is different, and it may be tough to give an answer to a specific situation, there are some general answers to each question that should help you figure out your options.

Whether you’re a young driver, or you are dealing with a suspended license or some other issue, we have some answers to help you with your insurance needs.

I’m a young driver

In general, car insurance for teenage drivers can cost a fortune.

Teenagers do not have the driving experience nor the credit history to really gauge how safe or risky it would be for an insurance provider to provide them with affordable auto insurance.

The additional cost of adding another driver to a policy.Note: Adding another driver to a policy can increase it by nearly 100% or more as illustrated by the graph. Adding a teen driver to a parent’s policy is usually the least expensive option for the teen and the parents. As you will see further below, adding a teen or young driver will substantially increase your premium.

Fortunately for most teenagers, someone else is able to insure their car.

However, it should be noted that most insurance companies would prefer that the person insuring their vehicle is a family member according to Esurance’s blog.

Most teenagers typically have their parents or guardians insure their car.

The reason for that is simple: it is more affordable.

Insurance providers will allow a parent or guardian to insure the vehicle of their teenager because they usually live in the same household for, at least, part of the year.

Most parents or guardians prefer to insure their teenager’s vehicle because they receive a multi-car discount, thus saving them money.

Average Cost for Insurance Per State for Teens

Below is a table with the average cost of coverage for teen drivers in each state.

Depending on the state you reside, the cost is from $3,000 to over $8,000 per year to insure a teen driver.

Very expensive!

On the other hand, there are a few ways to mitigate the extremely high cost to insure a teen.

One option is to go on your parent’s policy.

When you do, be sure to assigned the teen the cheapest car in the household.

I have included a search bar feature so you can easily find your state and the typical cost to insure a teen. 

StateCostStateCost
Alabama$6,909 Montana$3,471
Alaska $5,447Nebraska
$5,268
Arizona$7,273Nevada$8,908
Arkansas
$6,306New Hampshire$6,563
California
$7,443New Jersey$6,474
Colorado
$7,590New Mexico$7,325
Connecticut$9,917New York$8,998
Delaware$7,875North Carolina$3,471
Florida$8,277North Dakota$5,467
Georgia
$7,528Ohio $5,039
Hawaii $7,229Oklahoma
$7,482
Idaho $4,321Oregon$7,486
Illinois $7,337Penn$5,795
Indiana$5,727Rhode Island$10,023
Iowa $4,112South Carolina$6,188
Kansas $5,873South Dakota$6,021
Kentucky$9,528Tennessee$7,998
Louisiana$10,221Texas $6,791
Maine $4,297Utah
$6,323
Maryland$6,283Vermont
$4,472
Mass.$6,109Virginia $4,276
Michigan
$11,723Washington
$5,872
Minnesota$5,099West Virginia$5,698
Mississippi$6,851Wisconsin
$6,128
Missouri$6,452Wyoming$4,604

I’m not the primary driver of the car

Do you own a car that you are, for one reason or another, unable to drive?

Does somebody else drive your car for you?

In that case, you aren’t the primary driver of your vehicle.

As a result, you have two options when it comes to car insurance: you could sign up for your own policy, or have somebody else insure the car for you.

When you sign up for car insurance, the provider will typically ask you to list who is the primary driver of your vehicle.

If you choose to insure your own vehicle, you would then list that person’s name on your policy.

This option may be preferred because it gives you more options should that person no longer be able to drive your car.

Adding a Another Driver to a Policy

How much it will cost to add another driver in New York to a car insurance policy. Note: In the illustration above, the cost of adding another driver to a policy in New York is about 25%. If the driver is a teen it would be nearly 100%. Or the cost of the policy would be nearly $3,500.

On the other hand, the insurance company may charge you more for your premium since they know someone else is driving your car.

Allstate even mentions since regulations and policy terms vary widely from state to state it is important to consult with an license agent before making any decisions.

I would recommend getting a second opinion too. 

Illustration with Young Driver

Adding a young driver to a policy when assigned to the more expensive vehicle in the household. Note: In California, adding a young driver to a policy will increase the cost by 250% or more. In this situation, the parent added a young driver to policy with two vehicles in the household, but was assigned to the more expensive vehicle by the insurer.

Depending on your situation, you may be able to have somebody else insure your car under their name.

In such a case, that person would act as the owner of the vehicle and put the car on their policy, listing themselves as the primary driver.

I’m a high risk driver and my rates are too high

If you were recently convicted of a DUI or you have multiple traffic and speeding infractions, then you most likely have been hit with high risk driver’s insurance.

You’re paying rates that are through the roof due to the high-risk status, and you probably will pay those rates for some time.

In order to reduce your rates, you probably have thought about having someone else insure your car for you for the time being.

Examples of Auto Insurance After a DUI

Insurance CompanyWithout DUI**With DUI***
Allstate$1,646$1,876
GEICO$1,721$2,451
USAA$1,744$2,489
Farmers$1,876$2,539
State Farm$2,112$2,943
Nationwide$2,348$2,987
National Avg.$2,287$3,364

**Your insurance will vary depending on age and other factors.

***In most instances insurance rates are hike by 20 percent or more. For a teenager this could be 100+ percent or more.

In most situations, it is not recommended that you have someone else insure your vehicle.

If you were to get into an accident or be found guilty of another serious infraction, you could actually cause that person’s insurance rates to also skyrocket.

Additionally, you could face serious consequences should the insurance company find out that you were deliberately having someone else insure your vehicle in order to avoid paying high rates.

While it may be possible to have another person insure your car in such a situation, we do not recommend it for the reasons given.

Non-Owners Car Insurance

Do you have a relative visiting you for an extended period?

Are you temporarily unable to drive your vehicle due to a medical condition?

In those cases, you may have another person driving your car on a daily basis for a certain amount of time.

Benefits
A non-owner auto insurance policy would protect you if you do not own a vehicle and you borrow a friend's vehicle.
If you frequently rent a car but do not own a car, a non-owner auto insurance policy will most likely save you money.
A benefit of purchasing a non-owner policy is to protect your driver risk status.

Because that person will likely drive your car regularly, they’ll need some kind of insurance to protect them and you.

In such a situation, that individual can insure your car through a special policy known as non-owners car insurance.

About.com has an great article written by Emily Delbridge about the specifics of the coverage.

Non-owner policies do not provide full coverage in the case of an accident, but they do provide coverage for liability.

To find out if your car insurance provider offers non-owners auto insurance, you should give them a call before you have someone start driving your car regularly.

Non-Owners Policy does not cover... 
Physical damageA non-owner policy never covers physical damage on any vehicle.
Vehicles owned by a resident or roommate of your household.*A non-owner auto policy will not cover a vehicle you regularly use.
Vehicles you ownNon-owner auto insurance will not cover a vehicle you own.

*If you live a person who owns a vehicle and you regularly use it, you should be added to their policy.

Companies Offering the Best Rates to Insure Your Car

If you’re going to have someone else insure your car, we recommend that you help them get the best rates possible.

To do that, have that person fill in their zip code at the top of this page in our advanced quote comparison tool.

They need to answer a few questions, and then we’ll provide them with the lowest quotes from the top insurance companies in their area.

It only takes a few minutes, so take care of it today!

Top Insurance Companies

Below is a list of top companies to get quotes from.

If you are interested in adding an additional driver to your policy.

Obviously, if you have an existing policy, check with them first.

Don’t forget about regional or local companies.

Many times you may be able to find a policy with the same coverage for less with a regional insurer.

RankInsurance CompanyCustomer Service Rating
1Progressive4.1 out of 5
2Hartford3.9 out of 5
3Travelers3.7 out of 5
4Metlife4.1 out of 5
6Allstate3.9 out of 5
7Farmers3.9 out of 5
8USAA4.5 out of 5
9Ameriprise4.0 out of 5
10Good2go3.2 out of 5
11Top 10 Insurance Firms
12Other Leading Insurance Companies

FAQ

Can someone else insure my car?

Some high-risk drivers try to get someone else to insure their car.

This is not recommended and would be counted as insurance fraud.

Is it okay to add a roommate to my car insurance policy?

You may be able to add a roommate to your policy if you live at the same address.

Do you need insurance to drive someone else’s car

No, as long as you have permission.

Coverage will stay with the vehicle.

If you get into an automobile accident the existing policy will cover it.

However, if there are excess damages not covered by the policy, you may be held financially responsible.

Sources

https://www.amfam.com/who-can-add-auto-insurance-policy

https://www.allstate.com/add-driver-to-car-insurance.aspx

Shaun Fyffe

Shaun Fyffe

Hi, I am Shaun Fyffe and writing is my passion. I have been researching and writing for the auto insurance industry for 10 years. In my spare time I enjoy the outdoors, spending time with my family, sometimes I might go hiking or riding a bike, plus doing the regular hanging out - New York Style!

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