How do I add someone to my auto insurance for a week?

You can add someone to your auto insurance policy for a week, but this is often unnecessary because of permissive use clauses in insurance policies. Always check the details of your policy before lending your car to another driver.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Written by Rachel Bodine
Feature Writer Rachel Bodine

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent Daniel Walker

UPDATED: May 24, 2022

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Things to remember...

  • You can add someone to your car insurance temporarily by giving their details to your insurance company in advance
  • Check to see whether a permissive user clause may cover them instead
  • You should add those who live in your household and have access to your car as an additional insured

As a responsible car owner, you always want to make sure your vehicle always has insurance coverage. While you may have an auto insurance policy in place that covers you and any other regular drivers, you may want to know if this coverage extends to a temporary driver. In this case, you may be working out how to add someone to your car insurance temporarily. Read on to learn how it works.

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How do you add someone to your car insurance for a week?

It’s not that difficult to temporarily add someone to your car insurance, but you first need to work out if it’s even necessary. In this case, consider whether the insurance company would classify them as a “permissive user” or not and if the company will automatically cover them for that short period.

What is a permissive user?

Oftentimes, there are drivers covered under your car insurance called permissive users. A permissive user is a person who is not named on the policy but has permission to drive your car for a short time. If your policy allows this, then your permission is all that’s needed to ensure the other driver is covered. 

The rules can vary from state to state and by provider, and some insurers don’t offer this automatic coverage. Be sure to check your current policy to find out exactly how it works. If you do have a permissive-user option on your coverage, you can simply allow someone to drive your vehicle on a rare occasion without formally adding them to your policy.

Are there any restrictions?

Many insurance companies will allow you to give permission to another party to drive your vehicle for a week. The company doesn’t consider this to be a long-term arrangement, so it’s viewed as reasonable. However, you will need to refer to your specific policy to see if there are any age or experience restrictions. If a driver typically has regular access to your vehicle, you should think about adding them as a listed insured party instead.

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Does the other driver have to have their own insurance?

The other driver may have their own insurance, but it’s not typically required to drive your car. In this situation, insurance will “follow the vehicle” to cover your car if they have an accident while driving it. In this case, your insurance would be primary, but theirs would be secondary.

Adding Someone to Your Insurance Temporarily

If you want to be particularly careful and insist that you cover another driver so they can use your car for a week, you need to get in touch with your insurance company and talk with an agent. In this case, you will need to provide the other driver’s full name and date of birth, along with their license number. You should give the driver’s occupation and the date their license came into force.

It is even possible to add somebody to your policy for a day. Whatever the length, be sure to check to see if your policy would classify them as a permissive user or if there are any restrictions involved. You may not need to go to the trouble of adding them to your policy.

Does it cost anything to add someone to your car insurance?

If someone has long-term access to your car, and you add them to your policy, the insurance underwriters will look at the details and may increase your rates. Talk with your insurance company to find out how much it would be to add someone temporarily.

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How to Add Someone to Your Car Insurance Temporarily

It is possible to add someone to your car insurance for a day, a week, or longer by giving their information to your insurance agent in advance. Check to see whether a permissive user clause would cover them anyway, and always look at the fine print. The rules can vary from state to state and by provider.

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