If a loved one died, you may need to provide the auto insurer with a copy of the death certificate to initiate the change. Learn more about car insurance after the owner dies. 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. Every state requires auto insurance companies to declare how they calculate rates to customers, and insurers cannot deviate from these presented rates. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy. 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 at a later date.
The cost of adding a driver to your car insurance or sharing a policy varies depending on factors such as the driver's age and motor vehicle history. Most states require minimum auto insurance and vehicle registration coverage, so it's important to have proof of insurance and registration when driving. If you live in the same residence as your friend, you can usually add it to your car insurance because the vehicles are parked in the same place. You can pay for your car insurance policy by credit card, PayPal, online check, personal check, money order, or electronic funds transfer (EFT) from your checking account.
Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. Most insurers will also allow you to share a single car insurance policy with someone if you live with that person. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents.
Depending on the company, you may be able to remove someone from your car insurance policy online or through an app. 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. Some states and insurance companies require that all members of the household who are of driving age, including friends, be listed on your car insurance policy as drivers.