Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Laura Walker graduated college with a BS in Criminal Justice with a minor in Political Science. She married her husband and began working in the family insurance business in 2005. She became a licensed agent and wrote P&C business focusing on personal lines insurance. Laura serviced existing business and wrote new business. She now uses her insurance background to help educate drivers about...

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Reviewed by Laura Walker
Licensed Agent for 10 Years

UPDATED: Aug 21, 2019

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Multiple drivers in a household may be covered under the same auto insurance policy, but it is not a given.

The person who takes out the policy will need to provide information on each driver and consider the facts and feedback from the insurance company before choosing whether to include other drivers in the household on his policy.

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Buying Insurance

Usually, multiple drivers living in the same household are covered under the same insurance policy, as the person who takes out the policy will usually include all other licensed members living under the same roof.

The insurance company standard is to have all related members in the house on the same policy, along with friends, other relatives or domestic staff who may drive the customer’s vehicle.

Covering Multiple Drivers

When purchasing insurance for one car or more, the insurance company will have many questions for the potential policyholder. The person applying for insurance will be required to list every person that lives in his household, and whether or not they will be included on his insurance policy.

The insurer will probably want to understand the driving history of each individual who gets added to the policy in order to accurately reflect the risk that comes with each member of the family.

For example, the mother may have a clean driving record, and be driving a safety-conscious car, while the father may have a DUI on his record and the son drives a beefed-up sports car at age 17 and has one ticket on his record.

Each of these people represents a different risk profile to the insurance company, and the rates will rise to accommodate the riskiest driver in the group.

Excluding Drivers in the Household

When a child heads off to college, parents may not need to include her anymore on an insurance policy. Or, they may choose to have insurance coverage for the child that covers her only when she is home during breaks.

A driver in the family may have a driving record that the insurance company will not accept. This often results from multiple tickets, accidents or a DUI. Young drivers who have less serious offenses may also get rejected.

The exclusions section of the insured’s policy will include these drivers, stating explicitly that they are excluded from coverage.

If some drivers in a household are excluded from a family insurance policy due to a poor driving record, they may be able to find insurance with a company that specializes in high-risk or “non-standard” policies.

If they maintain a good driving record for three years with no further violations, the primary insurer may consider them a good risk and allow them as an addition to the main policy.

One thing to note is that coverage does not follow the driver, it follows the car. In other words, if car A has full coverage, but car B has only liability, then when Dad drives car B he is only covered for liability in an accident, although he would have full coverage if involved in an accident in car A.

Children will have automatic coverage, as passengers, on a parent’s policy in the case of an accident. This provides medical payments if they sustain injuries.

However, if the children are licensed drivers, it is likely they do not have coverage automatically and will need to either be added to the family policy or obtain their own policy.

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Complete Information

Insuring every member of the family who has a license remains a priority even if coverage needs to come from different carriers.

At times, a person may omit partial information about one of the insured parties on his policy, or might attempt to save money and not include the driver at all. This results in problems when he attempts to file a claim later for an accident, since the claim will get denied.

The insurer could also assess a retroactive charge to cover the omitted driver, or it might cancel the policy retroactively because of the lack of full disclosure.

Once a person has had a policy canceled for this reason, getting insured at preferred rates with a mainstream insurance company becomes very difficult.

Discounts

One of the benefits of having every licensed member of the household on one policy is the multiple-driver discount the insurance company will give.

When shopping for insurance, lower policy rates with the variety of other discount opportunities that exist, such as safe driver, good student, new vehicle safety, multiple lines, accident-free, and anti-theft device discounts, to name a few.

Shopping for Multiple Driver Insurance

Looking for insurance to cover everyone in the family can be a simple exercise, thanks to the Internet and the proliferation of websites that represent a large number of insurance companies.

Insurance quotes can be had in less than 10 minutes from many insurers, and since each insurer feeds a lot of facts and other information into its own internal complex rate-quoting algorithms, the rates may vary quite a bit between companies.

This makes it important to receive several quotes before choosing an insurance company, in order to find the lowest rates for the highest quality insurance coverage.

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