Can I add a friend to my car insurance?

Many insurers, including Progressive, allow adding a friend to a car insurance policy as a driver if you share a permanent residence. Most insurers will also allow you to share a joint car insurance policy with a friend by adding both sets of cars to the policy. If your friend doesn't live with you, they usually cannot be added to your policy.

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Can I add a friend to my car insurance policy if they live with me?

If you're living in the same residence as your friend, then you can typically add them to your car insurance because the vehicles are parked at the same location. However, if your friend only lives with you occasionally or their permanent residence is not listed as the same as your own, they most likely would not be eligible to be on your insurance policy.

Do I have to add a friend to my car insurance if they live with me?

Some states and insurance companies require that all household members who are of driving age — including friends — be listed on your auto insurance policy as a driver. This is especially true if your friend uses your car to commute to work or run errands frequently.

What if they don't live with me?

If you and your friend don't currently share an address, then they won't be able to be on your car insurance policy — even if they're planning to move in at a later date. However, as soon as they move in and their permanent address is the same as yours, you can update your policy to add your friend.

Can I add my friend's car to my insurance policy?

If your friend lives with you and has their own car, you can combine policies. Sharing a car insurance policy with a friend could help both of you save money by dividing the costs of some auto insurance coverages. Plus, both of you are covered anytime you drive the other's car. However, your friend's claims or driving history may affect the amount of the car insurance premium.

Pro tip:

Adding a driver vs. sharing a policy

Adding a driver to your policy means they're covered under your policy when they drive your car. If they get into an accident, your insurer is more likely to cover the damage. Sharing a car insurance policy, on the other hand, typically means both of your vehicles are covered under one policy.

Can I add more than one friend to my car insurance?

In most cases, one insurance policy covers all drivers in a single household. This also applies to friends who all live together under the same roof. So, assuming all of your friends live at the same address, you can add more than one friend to your car insurance policy. Most insurers allow up to four drivers on a single policy.