Many car insurance companies don’t charge a fee to add a driver to your policy. Insurers usually treat it as a standard policy change. Whether your premium goes up or down depends on the additional driver’s age, gender, and driving experience and history.
On average, car insurance with a secondary driver costs $1,407 to $1,685 annually. Actual rates vary based on factors such as:
- Address
- Age
- Driving record
- Credit score
- Car's value
Although insurers don’t reveal how they calculate rates, premiums typically decrease if the additional driver lowers the risk of accidents. Conversely, adding a higher-risk driver may lead to higher premiums.