Removing a Driver From a Car Insurance Policy (2024)

FAQs

What happens if you remove someone from your car insurance policy? ›

Excluding them means the insurance company is no longer considering their driving history on your policy. If an excluded driver or one you have removed from your policy gets into an accident with your vehicle, your policy may not cover the incident.

Permissive drivers

That means if your friend, roommate, or someone else not listed on your policy is driving your car and causes an accident, your auto liability insurance will cover the damage – as long as they had your permission to drive the vehicle. There are exceptions to permissive use, however.

Even if they don't live with you, they should be added to your policy if they regularly drive your vehicle. A driver who lives in your household and isn't listed on your auto policy may be denied coverage if they borrow your vehicle and are involved in an accident.

Unlisted drivers involved in an accident in your car could leave you paying for all damages out of pocket and may cause your policy to be canceled. Not all household members need to be listed, and it varies by car insurance company.

Once they're removed from your policy, that person can't drive your vehicle and won't receive coverage from your insurer. Usually, an excluded driver is someone you intentionally decide to exclude from your policy because removing them will increase your premiums.

Insurance companies often consider high-risk drivers, such as those with a history of DUIs or multiple traffic violations, as ineligible for coverage. Excluding these drivers from policies helps insurance companies manage risk and maintain reasonable premium rates for their policyholders.

The takeaway for finding the best insurance is that the owner (registrant) of the vehicle should be a named insured on whatever policy insures the vehicle. An additional driver will ONLY be covered under the car they are listed as. There can be multiple named insureds on a policy.

There are "listed" insureds who are listed/named in the Declarations page of the insurance policy... and "not" listed insureds who are insured, but are not listed. And there are unlisted individuals who are not insured. An unlisted insured is NOT the same as an "excluded" driver.

It is possible to take out your own car insurance policy to cover you for a vehicle that the owner has also insured, though you must not be the main driver.

Many insurers, including Progressive, require you to add a spouse to your car insurance policy if you're both living in the same household (unless your state gives you the option to exclude your spouse). Adding your spouse to your policy ensures that you're both covered in the event of an accident.

Can I add someone who doesn't live with me to my car insurance? ›

Yes, it is possible to add someone to your car insurance policy who doesn't live with you, depending on your insurance company's policies. Typically, insurance companies allow you to add immediate family members or someone who regularly drives your vehicle.

Yes, you can. If, for example, you're taking the car away to university, let your insurance provider know that you'll be the main driver from then on.

In most states, police will accept an auto insurance card that lists the car you're driving on it, and it doesn't matter if your name is specifically on the card (some states even accept electronic proof of auto insurance); however, Texas is different.

It matters who the primary driver is on insurance because the primary driver is the person who drives the car the most. Insurance companies use their driving record, age, location, and other factors to calculate premiums and coverage. So the primary driver can affect insurance rates.

Even if your college student moves away to attend school, you can typically keep them on your car insurance policy. Your child will likely need their own insurance policy once they move out of your home permanently or purchase a car themselves and have the title in their name.

First, your parent's insurance won't be affected until the next renewal. That's usually when your insurance company will pull your Motor Vehicle Report (MVR) which will show your ticket. Second, your parents can drop you from the policy if they're the named insured (i.e., the people who created the policy).

If you hold the primary status, you have the authority to initiate changes to the policy. In this case, a simple phone call to your insurance company is all it takes to request the removal of your spouse and their vehicle from the policy.

Generally you can't remove a household member from your policy unless they have their own separate insurance coverage. You should have the option to exclude your son from the policy if you don't want him to impact your rate, but that means he will not be covered to drive any of the vehicles you currently insure.