Adding someone to an auto insurance policy is usually a quick and simple process. You have to call your insurance company and give them the name and driver license number of the new driver, but they can be added to the policy immediately. If there are any additional costs associated with adding the new person, your insurance company will bill you for the difference on the next billing cycle.
The cost of adding someone to your policy varies by the person, and how they will be using the car. For example, someone with a few tickets on their driving record but only using your truck once to move from one location to another may not cost you anything, but adding the same person as a regular driver might add a substantial amount to your premiums.
Another factor is the age of the driver. People under 25 are automatically considered a high risk driver, so adding a young driver will have a large impact, especially if they will be using the car a majority of the time. Time is the only way to reduce the cost of insuring a young driver, but they can reduce the burden by taking a driver education course and, if they are a student, keeping a B average or better.
It is rare for your car insurance company to request an immediate payment for adding a new driver. Since you already have a policy in place, making changes is easy and does not require any in-person meetings. Any pro-rated billing can be added to your next premium, and the increase will automatically be included in future bills.