Car Insurance for Multiple Drivers
Multiple-driver car insurance: basics and background
If you share vehicles in a multi-driver household, it's worth keeping in mind some best practices for car insurance for multiple drivers. Let's dive into the details to understand how additional drivers affect your policy, available discounts, and where to find the cheapest multiple-driver auto insurance options.
Can multiple drivers share car insurance?
Yes. As long as all drivers are listed on the policy and someone pays the bills, you shouldn’t have a problem sharing car insurance with multiple drivers. Your monthly premium will reflect the added risk of multiple drivers using one vehicle — so you'll most likely pay more than you would for a single-driver policy. However, a multiple-driver policy is usually cheaper than purchasing two individual auto insurance policies.
If one of the drivers using the vehicle doesn’t reside in the household, you can add them to the policy as a “non-resident driver.” This means someone on the policy doesn’t live in the listed residence but uses the vehicle frequently. While the exact definition of “frequently” may vary, it’s typically used to describe a driver who uses a car more than 12 times per year.
How does one driver’s ticket or claim affect shared car insurance rates?
If one driver on the policy gets into an accident or receives a ticket, the entire premium will increase. This isn't meant to punish the safe drivers on the policy, but to reflect the increased risk presented by the policy as a whole. Because an insurance company can’t discern between drivers on a shared policy, it applies a blanket rate increase.
If you decide to close the multi-driver policy and purchase car insurance on your own, your new premium should not reflect the accidents or citations caused by the other driver. Violations are connected to you via a Motor Vehicle Report (MVR) — a granular report connected to your driving record and used to calculate your personal premium.
If you feel you are paying a penalty for moving violation or accident claim not caused by you, check your MVR to see if a violation is being tied to you and your Comprehensive Loss Underwriting Exchange (CLUE) for details about all insurance claims.
What are the cheapest insurance companies for multiple drivers
In order to find which is the cheapest company for multiple drivers, we created a user profile and compared rates across 5 ZIP codes in the US. Using a married couple with two vehicles, we discovered that Geico and Progressive were the cheapest companies for our user profile.
| Company | Average Premium |
|---|---|
| State Farm | $3,932 |
| Allstate | $2,274 |
| Geico | $1,302 |
| Progressive | $1,492 |
| Liberty Mutual | $2,156 |
The Zebra’s auto insurance data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Use the above rates as a jumping-off point before comparing insurance companies to find the ideal policy for you. The easiest way to get free online car insurance quotes is to use The Zebra's auto insurance comparison app.
Comparing your car insurance options is quick, simple and hassle-free.
Best practices
A car insurance policy for multiple drivers isn't much different than a single-driver policy. As long as each driver is added to the policy and someone pays the bills, you shouldn't run into issues with your insurance company. The only unique attribute of multi-driver auto insurance is how every driver’s history will affect the policy. Because insurance companies can’t compartmentalize risk distribution between individual drivers on a policy, your rates could rise if one driver exhibits reckless behavior. Rest assured, however, their driving record won’t follow you if you decide to split the policy up in the future.
Listing multiple drivers on a single policy will generally be cheaper than maintaining two separate insurance policies. Many insurance companies provide a “multiple drivers” discount, rewarding you for adding an extra line of business to your policy. The same goes for insuring multiple cars, or adding a renters or homeowners policy.
Car insurance for multiple drivers FAQs
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.