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.
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Ava Lynch

Insurance Analyst

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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…

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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…

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Ross Martin

Insurance Writer

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

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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.

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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 auto insurance rates published in this guide are based on The Zebra’s annual analysis of average car insurance premiums in every U.S. ZIP code. This data comes to us from Quadrant Information Services, which sources the latest approved rate filings across carriers in each state from S&P Global. Quadrant then uses an internal QA process to validate the information and build reports before the data is queried and analyzed by The Zebra.

Rates are based on a sample driver profile — a 30-year-old single male driver with a Honda Accord and full coverage at these levels:

  • $50,000 per person/$100,000 per incident for bodily injury liability
  • $50,000 per incident for property damage liability
  • $500 deductibles for collision and comprehensive coverage

To provide insight to consumers on how specific personal factors (like age, location and coverage level) can affect your premium, this base profile is then adjusted for different factors commonly used by insurance companies. For more information, see our full data 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.

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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.

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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.