Here’s a breakdown of what you can and cannot add to your current policy.
If you have a second car at the same residence, you can add it to your policy.
You can only add a friend’s car to your policy if you live at the same residence where the friend keeps their car. The friend must also be listed as a driver on your policy.
Significant Other’s Car
Whether or not you can add your significant other’s car to your policy depends on how often they use it and if you live together. If you live together where the vehicle is kept, you should be able to add the car to your policy. However, if you don’t live together and you don’t drive the vehicle often, you won’t be able to put their car on your policy.2
If you need to add a car to your policy temporarily, we recommend purchasing a six-month term or pay-per-mile insurance, and then canceling your car insurance. Major car insurance companies don’t offer temporary policies. If you don’t own the car you’d like to add, look into non-owner car insurance. Typically, non-owner insurance costs less than standard coverage.
Vehicles Not in Your Name
You can add a car to your policy if it’s not in your name, given you live with the owner who keeps the car at your residence.
New and Used Cars
You can add both new and used cars to your existing policy. Before you add it, your new or used vehicle will have the same coverage as your current one. Make sure you add it within your insurer’s time frame of within one week to one month from the purchase date.3