Car Insurance for Multiple Drivers

Looking for a way to save on car insurance with two drivers and one car? Consider a multi-driver policy.
Location pin icon
No junk mail. No spam calls. Free quotes.

Why you can trust The Zebra

The Zebra partners with some of the companies we write about. However, our content is written and reviewed by an independent team of editors and licensed agents. Reference our data methodology and learn more about how we make money.

Author profile picture

Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

Author profile picture

Mark Friedlander

Director, Corporate Communications, Insurance Information Institute

Mark Friedlander has over 30 years of experience in the insurance industry. He is the Director, Corporate Communications, at the Insurance Informatio…

Author profile picture

Ross Martin

Insurance Writer

  • 4+ years in the Insurance Industry

Ross joined The Zebra as a writer and researcher in 2019. He specializes in writing insurance content to help shoppers make informed decisions.

Ross h…

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.

violation icon

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.

Average annual premiums for multiple drivers
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.

Location pin icon
No junk mail. No spam calls. Free quotes.

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

Depending on the insurance company you use, adding and dropping drivers can be done online or over the phone with your insurance agent. You will need to have certain information handy in order to officially add them as a driver:

  • Full name
  • Date of birth
  • Gender
  • Driver’s license number
  • Occupation

It is cheaper to have multiple drivers and/or vehicles on one policy than it is to enroll in two separate insurance policies. With more than one driver or vehicle, your insurance company may reward you with a "multi-vehicle" or "multi-drivers" discount, a common discount opportunity available across insurance companies.

This depends on your insurer. Most companies allow up to a specific amount of drivers or vehicles on one policy. Typically, this number is four each but can vary from one company to another. For more information, contact your insurance provider.

Compare quotes from over 100 providers.

Location pin icon
No junk mail. No spam calls. Free quotes.

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.