Do I need to put everyone in my household on my Progressive policy?

Progressive wants me to put everyone in the household on my policy. Is this necessary if everyone already has their own vehicle with insurance?

Household drivers should be listed on your auto policy

This isn't something that only Progressive will ask for; it's typical for insurance companies. It's usually recommended that everyone who lives in the household be added to the same policy if they will likely be driving the insured car. Insurance companies generally require everyone in the household of driving age to be listed on the policy. But this would be unnecessary if the others in the household already have their own insurance and vehicles.

Policyholders do have the option to have excluded drivers on the policy — this would explicitly release liability on the insurer's part from covering those excluded drivers and should not impact your rate. If the other drivers in the household have their own policy, this might be a good option for you. Progressive should allow you to do this — if not, there are plenty of other insurance providers in Florida that will.

Before excluding someone, though, it’s important to understand the risks and check your state’s rules. Excluding a driver from your car insurance means they won’t be covered if they get behind the wheel, leaving you responsible for accidents, damages, and legal costs. Some states don’t allow exclusions, and if an excluded driver causes a crash, it could affect your future insurance rates or make it harder to get coverage. Plus, they won't be protected if they ever need to drive in an emergency.

If you have any other questions, don't hesitate to ask.