Jessica Sautter is a Content Writer for CarInsuranceCompanies.com with a Bachelor’s Degree from Eastern Michigan University in Elementary Education with a Major in Reading and a Minor in Mathematics.

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager

UPDATED: Oct 13, 2020

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Here's what you need to know...

  • Changing your auto insurance information or adding another person to your car insurance is a simple matter that can be handled with a phone call to your insurance agent
  • You do not have to be married in order to list your significant other on your auto insurance policy
  • If you and your girlfriend both have your own cars but live in a single household, then you may be able to combine policies as a single household


In general, it is a very simple process to change information on your auto insurance policy or to add another driver or vehicle to your policy.

You will need to call your auto insurance agent and have information on the other driver and their vehicle, such as the:

  • Name
  • Phone number
  • Driver’s license
  • Vehicle identification number (VIN)
  • License plate
  • Social Security number

It is important to make sure your insurance information is up to date so that you do not have a problem down the line if you need to file a claim.

Enter your zip code in the box above to see how much you could save on car insurance!

Adding Another Driver to Your Existing Auto Insurance Policy

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If you are in a situation where you are sharing a car with your girlfriend and both live at the same address, you need to inform the insurance company of your current living arrangements.

Your girlfriend will be named as a driver of your vehicle, which may affect your rates slightly. State laws vary as to the minimum auto insurance coverage requirements for drivers who are added to an existing auto insurance policy.

In the event that you live with your girlfriend and do not want her to drive your vehicle, you would tell the insurance company that she is an excluded driver.

An important reason to do this is if your girlfriend has a poor driving record, having her living at the same residence may cause your insurance company to increase your rates.

The same is true for a roommate to whom you will never lend your vehicle and has a poor driving record. Your insurance company will assume that this roommate is allowed to drive your car unless you specifically indicate that they are excluded as a driver on your policy.

Keep in mind that if the insurance company asks about your current living arrangements and you do not tell them the truth, this could be grounds for them to cancel or choose not to renew your policy.

It is always best to be completely truthful on your car insurance information so that you do not give your insurance company any grounds for denying your claim or canceling your coverage before the end of your policy term.

Having your coverage canceled could be a factor in your car insurance rates going up in the future.

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On the flip side, it is just as easy to have someone removed as a driver on your auto insurance policy. A quick call to your insurance agent will do the trick.

One thing you should keep in mind is that if you were receiving a discount for having multiple vehicles or policies, then your rates may increase a bit when someone drops off of your policy. The specific amount will vary by insurance company.

This is also a good chance to shop around for additional auto insurance quotes to make sure that you are not paying more for the same coverage you could find through another company.

When you go through the process of asking for quotes from different insurance companies, be sure to ask about the discounts that could apply to you.

If you are in the military or have a certain occupation, you could be eligible for a bigger discount than you may have thought at first.

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Making Sure that You Have Sufficient Coverage for All of the Drivers and Vehicles on Your Auto Insurance Policy

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When you are considering any changes to your current auto insurance policy, this is an excellent time to make sure that you are getting all of the coverage that makes sense for your situation.

For example, if you previously only carried basic auto liability coverage, you may want to think about additional coverages that could help protect you in the event of an accident.

Some of the most common types of additional auto insurance are comprehensive and collision insurance.

Collision coverage helps protect you in the event that your car is hit by another vehicle or object. If you happen to roll your car, collision coverage can help with this also.

Comprehensive coverage is for covering you for damage to your car as a result of an incident other than a collision, such as theft, vandalism or flooding.

Although these coverages are not required by state law, the basic auto liability insurance hardly ever covers the total amount of damages in an accident and will not cover you for damages that you cause to your own vehicle.

When you are adding multiple drivers to your policy, it is best to make sure that you have sufficient assets to be able to pay out of pocket for damage that may occur to your vehicle when they are driving your car.

You may not want to have to sue your significant other or family member who was driving your car while the damage occurred.

If you are not able to pay out of pocket, supplemental auto insurance coverage can go a long way in giving you peace of mind and protecting your personal assets.

The Final Word on Adding a Significant Other to Your Current Auto Insurance Policy

In sum, you can easily add your girlfriend to your existing auto insurance policy without having to jump through too many hoops.

Depending on whether you live together and whether you own separate vehicles, you may either add her on your existing policy as a driver who is allowed to borrow your car, or you may wish to combine both car insurance policies under a single policy for your household.

Your decision will likely be based on the various rates that you qualify for and how your insurance company requires that policies be handled under the same household.

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