Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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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 Chris Harrigan

UPDATED: Apr 13, 2022

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Key takeaways...

  • Adding a car to your current car insurance policy is a great way to save money on your premium as opposed to having a separate policy for that car
  • You will need to contact your current auto insurance provider directly to make sure that the additional vehicle is properly added to your existing policy
  • Many car insurance providers allow you to add another car to your existing policy by filling out some information online, which will be available on that company’s website
  • There may be a maximum limit of drivers and cars that can be added to a single car insurance policy, which would depend on the specific insurance company that you use
  • Make sure that you have all of the relevant vehicle and driver information available when you go to add another car to your auto insurance policy

There are a variety of reasons why adding another car to your current auto insurance policy makes a lot of sense. Some of the common reasons to do this are the following:

  • You have a teenage driver in your house who is not ready to have his or her own separate policy
  • You have purchased an additional vehicle that would become a part of your insurance policy
  • You have another driver in your household to add to your policy

In any of these scenarios, you would want to contact your auto insurance company to find out what information is required to have the additional car listed on your auto insurance policy.

Most companies have an option for you to do this online, but it is always a good idea to call your agent if you have any specific questions about adding a car or driver to your existing coverage.

Compare the cost of adding a driver to your policy. Use our free comparison tool to begin.

Adding Another Car to Your Current Auto Insurance Policy


When you have a significant life change, this may prompt a need to change your current auto insurance coverage.

For example, if you get married, then you may want to have your spouse added to your car insurance policy, which would include having his or her car added to the policy as well.

Another common event is purchasing a secondary vehicle, which would need to be added to an insurance policy in order to have it officially registered in almost any state in the U.S.

In either of these scenarios, the actual process of having another car added to your insurance policy is not very demanding or time-consuming.

Whether you add the car to your policy over the phone or online, you will need to have some basic information about the car ready. For example, the car insurance company will probably need to know the following:

  • License plate number
  • Make
  • Model
  • Year
  • Vehicle identification number (VIN)
  • The current mileage
  • Personal information regarding the driver of that specific vehicle

For the driver of the additional car, you will most likely need to provide the name, date of birth, driver’s license number and social security number (SSN) to the auto insurance company.

One major consideration in adding a car to your insurance policy is having the most economical car assigned to the appropriate driver listed on your policy.

For example, if you have a relatively inexperienced teen driver on your policy, it would not make financial sense to have the most expensive or luxurious car assigned to the teen driver specifically.

This is because your rates could go up if the insurance company thinks that the driver who is most likely to be involved in an accident will be driving the most expensive car to insure.

You should definitely speak with your agent to make sure that you are getting the most affordable arrangement for you and your family.

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Adjusting Your Coverage Types and Amounts for an Additional Car on Your Auto Insurance Policy

When you have another car added to your car insurance, this is a good time to think about whether you are really getting all of the coverage that you need.

For instance, you may want to increase your coverage limits if the car you are adding is very expensive or rare. This is because you want to make sure that the car is adequately protected in the event it is damaged.

In addition, if a teen driver is being added to your policy, then you will want to think about whether you have enough coverage if that driver is the cause of an accident. It is a well-accepted fact that a teen driver is more likely to cause a car crash than a more experienced driver.

If the teen driver causes an accident and the car and insurance policy are in your name, then you could personally be responsible for any damages that are not covered by the limits of your auto insurance policy.

You do not want to be caught unprotected in this situation, which is why having enough coverage at the outset is extremely important.

If you are looking for a way to compensate for the additional expense of having another car or driver covered under your car insurance policy, then consider looking into quotes from insurance companies that offer a discount for bundling multiple policies.

If you are already required to carry home owner’s insurance, it makes more sense to have this policy through the same company that is currently providing your auto insurance.

Almost every company offers a discount for bundling multiple types of policies, so you should not feel as though you are permanently committed to your current insurance provider in order to secure this discount.

Recap on Adding an Additional Car to Your Auto Insurance Policy


The process of actually adding another car or driver to your car insurance policy is relatively simple and can probably be done online for most companies.

Every company has a different way that they handle modifications to an existing auto insurance policy, so it is definitely worth a phone call to your insurance provider to find out what exactly needs to be done to have another car or driver added.

One of the top reasons that some people add another car to an existing policy is that it is much cheaper than having the car insured separately on its own policy.

Keep in mind that when you make any changes to your current auto insurance policy, this is a good time to consider whether there are any changes in your coverages or amounts of coverage that you should make so that you are fully protected in the event of an accident.

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