My girlfriend moved in with me and she has her own car insurance. Do I need to add her to my policy too? We do use each other’s car occasionally.

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 15, 2021

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Insurance companies always want to know about all drivers in a household. Even if she’s got coverage, insurance follows the car, and she needs to be listed as a member of your household and a driver of your car. Since you each have your own insurance your driving records should not affect each other’s insurance. Of course, if you have an at fault accident in someone else’s car your rates could go up even though your company did not have to pay anything. Multiple incidents in one another’s car could cause the insurance company to take adverse action, such as excluding the other driver.

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