Auto Insurance for Nannies and Caretakers (Rates & Discounts)

Does my nanny need special car insurance? No, nanny and caretaker auto insurance is not its own business coverage. Nanny car insurance requirements may be limited to disclosing work insurance providers. Caretakers can also get car insurance for business use, i.e. commercial insurance, or they can ask an employer to list them as a driver on their insurance policy.

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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
Insurance Feature Writer Rachel Bodine

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years Leslie Kasperowicz

UPDATED: Apr 27, 2021

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What You Should Know

  • If you’re nanny or caretaker is using your vehicle, you must disclose this information to your auto insurance company
  • Liability coverage follows the driver but is also useful for parents to have for kids
  • Some companies allow policyholders to add nannies and caretakers to their coverage

Nanny/Caretaker auto insurance may not be a special coverage you can purchase, but that doesn’t make it any less crucial. Whether you’re the employer or the employee, if you have dependents in the car, a nanny needs to be covered.

The best auto insurance companies for nanny car insurance will have fair rates and extensive liability coverage. Keep reading this guide to learn more about what to look for in a provider to insure your caretaker.

If you’re ready to find an affordable nanny and caretaker auto insurance in your area, use our free tool above. Enter your ZIP code to compare local car insurance quotes.

Do I have to insure my nanny if she’s driving a family car?

If you’re nanny/caretaker is using your car regularly, you will need to disclose this information to your insurance company. (It’s probably best to report it when anyone uses your car for any reason)., a trusted nanny and caretaker sourcing agent, suggests that letting the nanny use your (i.e. the parent or guardian) vehicle is best. This way, you know your children are in a safe vehicle.

This may also be the most cost-effective option, as nannies and caretakers can be added to an existing insurance policy. Keep in mind, though, that your premium may change.

What if the nanny or caretaker is driving their own car?

Nanny/caretaker auto insurance companies may not exist, but that type of work can have certain coverage requirements. Tell your insurance who you’re driving, and some details of distance and time spent in the car.

More than likely, they will raise your premiums based on your work. However, you will be covered in the case of an accident.

Check out the table below to see where auto insurance policy rates may start with big-name providers. Keep in mind, your policy could change up to $1,000 per year for extending coverage to other drivers.

Average Annual Auto Insurance Rates by Company
CompanyAverage Annual Auto Insurance Rates
American Family$3,699
Liberty Mutual$5,296
State Farm$2,731
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Some providers may deny the affordable nanny/caretaker auto insurance add-on, in which case drivers may consider a commercial auto policy. This term doesn’t refer to a fleet of vehicles, but rather a vehicle you use for work.

If you’re not sure how to determine the most affordable option, learn how to compare auto insurance quotes. 

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Nanny and Caretaker Auto Insurance: The Bottom Line

Buying nanny/caretaker car insurance is as simple as buying regular car insurance. If you are already covered, reach out to your provider to see if they have an option that works for you.

If not, compare insurance quotes before you buy nanny and caretaker auto insurance with our free tool. Enter your ZIP code to get started.

Auto Insurance for Nannies and Caretakers – Frequently Asked Questions

#1 – Do I need to provide auto insurance for a caretaker?

No. But, guardians may want to consider additional liability coverage for their dependents for extra security in the case of an accident.

Parents can also add the nanny driving the kids to an existing insurance policy. If they are covered under your insurance and are using your car, they are 100% covered in an accident.

When do you need to add a nanny to car insurance? You aren’t required to include a caretaker in your insurance, but if your nanny gets hurt in an accident it may be easier to deal with under your own policy.

Note: If a nanny uses their car, they may require reimbursement for gas and mileage.

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