A household driver is typically a family member who lives in your home and may drive your vehicle. This may also include roommates or significant others.
When you apply for personal auto insurance, some carriers may require you to list all licensed drivers living in your household, even if they don’t drive your vehicle regularly. This can help the insurance carriers accurately assess risk and determine pricing. Omitting a driver who lives with you may lead to a claims denial if that person was involved in an incident while driving your vehicle.
Why household drivers matter
When it comes to auto insurance, insurers may request details about all drivers living at your address because:
- Policy eligibility may depend on having accurate information about who may have access to your vehicle.
- Premium pricing may be adjusted based on the full household’s driving history, as evaluated by the insurance provider.
- Risk evaluation doesn’t just include your personal driving habits but may also include the habits of your family members or roommates who might operate your vehicle.
This broader view can help insurance carriers assess coverage availability and determine rate options that align with your situation.
Do I have to disclose all drivers, or can I exclude some?
Household driver requirements can vary based on the state you live in and the insurance carrier you choose. Some carriers may allow you to exclude specific drivers from coverage, while others may not. It may be helpful to talk to your insurance agent about if exclusions are allowed on your auto insurance policy.
Discover your plan options with IIA
If you’re unsure whether someone in your home should be listed as a household driver on your auto insurance policy, you can talk to an agent at Infinity Insurance Agency, Inc. (IIA). Our team of Spanish bilingual agents can help clarify what is required based on your location and specific situation.
Get a free quote online or call 1-855-478-3705 today.