Can My Girlfriend Be On My Car Insurance?

  1. 12689 POINTS
    Ted Ratliff
    Owner, SFS Associates,
    If she drives your car on a regular basis or lives with you then you should consider adding her as a driver.  Just remember however that her driving record can affect your insurance rates if you do so.  If for any reason her driving record is badly blemished then I suggest having her obtain her own policy.
    Answered on May 21, 2013
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  2. 37376 POINTS
    David G. Pipes, CLU®, RICP®
    Business Development Officer, T.D. McNeil Insurance Services, Fresno, California
    In California the determination is that the car is attached to a household.  If your girlfriend is also a member of your household, she not only can, but she must be a listed driver or excluded from the policy.  If she doesn’t live with you and operates your car with your permission, your insurance continues to cover the car.  However, you are still responsible for the outcome and if she has an accident it could lead to an increase in your premium.
    Answered on June 11, 2014
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