how much does it cost to add one person on my car insurance?

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Asked October 2, 2018

1 Answer


The cost to add one person to your car insurance policy can vary depending on a number of factors, including the insurance company, the type of coverage you have, the age and driving record of the person being added, and the state where you live. Here are some general guidelines for how much it may cost to add one person to your car insurance policy:

  • Young drivers: If the person being added to your policy is a young driver, they may be considered a high-risk driver by insurance companies, which can lead to higher premiums. On average, adding a teenage driver to your policy can increase your premiums by as much as 100% to 200%.
  • Experienced drivers: If the person being added to your policy has a good driving record and several years of experience, they may not increase your premiums as much. On average, adding an experienced driver to your policy may only increase your premiums by a few hundred dollars per year.
  • Type of coverage: The cost of adding a person to your car insurance policy may also depend on the type of coverage you have. For example, adding someone to your liability-only policy may be less expensive than adding them to a full coverage policy that includes collision and comprehensive coverage.
  • State requirements: Finally, the cost of adding a person to your car insurance policy may be influenced by state requirements for minimum coverage and insurance rates.
Overall, the cost to add one person to your car insurance policy can range from a few hundred dollars to several thousand dollars per year. It's important to shop around and compare quotes from different insurance companies to find the best coverage at the most affordable price.

Answered October 3, 2018 by InsuranceStar

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