When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy. Your insurance company will generally need the name, date of birth, driving history, license information, and vehicle identification number (VIN) if you also plan to share a policy that covers both vehicles. Many insurers, including Progressive, allow you to add a friend to an auto 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, it usually can't be added to your policy. Comprehensive car insurance and collision insurance are also common types of car insurance coverage, although no state requires them. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy. Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car.
In many states, you have the option of excluding your spouse from your auto insurance policy, but some states only allow it for certain reasons, such as not having a license or already having a policy. Common law marriage is recognized in some states, and your car insurance coverage will work the same way as insurance for a married couple. If you and your friend don't currently share an address, they won't be able to appear on your car insurance policy even if you plan to move later. Request an auto insurance quote online or call 1-866-749-7436 and we'll ask you the right questions to properly insure you and your spouse.
Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). If your spouse drives your car and damages it, it's normally covered if you add comprehensive and collision coverage to that car. Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. The main reason car insurance is mandatory in almost every state is because of your personal liability (liability) if you cause an accident.
If you are married and live in the same household, Progressive and many other insurers require that you and your spouse be covered by the same policy.