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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Written by Rachael Brennan
Licensed Agent for 15 Years Rachael Brennan

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: Jun 21, 2022

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Key takeaways...

  • Adding your daughter onto your insurance policy may have more variables than you anticipate
  • Before adding someone onto your car insurance, it’s important to take a few points into consideration
  • The first thing to look at is your daughter’s previous driving record, insurance history, and any claims she has filed
  • Another key thing to consider is your daughter’s age; younger drivers are often a higher risk
  • Also take your daughter’s living situation into the equation; if she lives in your home, you may be required to add her regardless

Deciding to add your daughter to your insurance policy may seem like a quick decision, however, it may warrant more discussion than you anticipate.

There are a few situations that may require you to add her to your policy, but it’s important to remember that her previous decisions may affect your coverage. Make sure that you take the following information into account before making your decision:

  • Your daughter’s age
  • Her living situation
  • Her previous driving record
  • Her insurance history

See how much it will cost to add your daughter to your policy. Just enter your zip code above and begin comparing quotes.

Your Daughter’s Driving Record and Insurance History


One of the biggest influences your daughter may influence your insurance policy is through her driving record and previous insurance history.

This happens when your daughter has a poor driving record or a history of claims with her previous insurance carrier. This record includes:

  • Moving violations
  • Traffic citations
  • Claims

A history of any of these or other incidents can cause your policy premium to increase.

When looking at your daughter’s past, your provider will often look at the types of incidents that have occurred, the claims that were filed, and any high-risk incidents.

If your daughter was involved in a lot of violations or claims, then your provider may consider her a high risk. If this is the case, they may be unwilling to provide her with coverage.

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Your Daughter’s Age and Driving Experience

The older your daughter gets, the more experience she will get behind the wheel. This means that the younger your daughter is, the higher risk your insurance provider will often believe she is.

Your insurance company will often raise your premium and potentially suggest higher levels of coverage to compensate for her lack of experience and her higher risk exposure.

For instance, if your daughter is 18 years old or younger, your provider may initially raise your premiums by a large amount.

However, as your daughter hits milestone ages, such as 21 or 25, your provider will reassess her risk and begin to lower her premiums to be comparable to her increased experience.

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Your Daughter’s Current Housing Situation

When your daughter lives in your home with you, your provider may require you to add her to your policy, regardless of how often she drives your car.

They can make the reasonable assumption that someone living in your household is likely to operate your vehicles, meaning they will take her into consideration when calculating your coverage, your premium, and if they should continue your coverage.

When you are first applying for your coverage, it’s essential that you are honest with your insurance provider. They will often ask you a series of questions about your home and others that live with you in the home.

This can be a major problem if you decline to insure your daughter while she’s living in the home and she is involved in an incident.

During a claim investigation, your insurance provider will often gather details about the party that caused the incident, the other party’s involved, and maybe even their living situation.

If it’s determined that your daughter should have been listed on the policy all along, your provider may be unwilling to cover the loss. Additionally, this could be considered an instance of insurance fraud, which may lead to further consequences.



When you start discussions around covering your daughter on your insurance policy, it’s important to have the proper information before making your choice.

Your insurance company may have requirements or stipulations that you have to meet to cover an additional driver and failing to meet these could increase your premiums or cause changes to your policy, up to and including policy cancellation or non-renewal.

As your daughter can influence your policy coverage in many ways, it’s important to discuss these ways before changing your policy.

Your daughter’s age and housing situation may be factors that are harder to control, but you also need to take her driving record, insurance history, and her history of claims.

If you have questions or concerns about how adding your daughter to your policy may alter your coverage or your premium, speak to your insurance provider first.

They can usually look at your policy and the terms listed to determine how adding your daughter can positively or negatively affect you.

If your provider cannot meet your current needs and you are determined to add your daughter to your policy, you may need to look at new or different providers.

Compare prices from several insurers at once by using our free quote tool below.