How does insurance work when you share a car?

Yes — you can share a car insurance policy. If you share driving responsibilities with another driver, you may be required to share car insurance. Most car insurance companies will require a driver to be listed on the policy if: They use the vehicle frequently (more than 12 times a year)



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If both cars are kept at the same address overnight, you can share a policy, even if you drive different vehicles or don't share a last name. Adding a roommate to your auto insurance will raise the cost of your individual policy, but it could be lower than the combined cost of two separate policies.

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You might agree that only one person will put his or her name on the registration and title to the car. You can then agree to share the vehicle. However, there are downsides to this approach: An insurance company might not add the second driver to the policy if he or she is not an owner or a family member.

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Contrary to popular belief, car insurance typically follows the vehicle, not the driver. This means if you lend your car to someone else, your insurance will be the primary coverage in the event of an accident (2).

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