Auto Insurance for Two Drivers With One Car

Auto insurance for two drivers with one car could save money if both owners are married. Two people can be on the same car insurance policy, and married people have lower rates. It will increase your cost to add a new driver to your auto insurance if it's a teen driver. Adding a second car to insurance will earn you a multi-car discount.

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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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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

UPDATED: Oct 30, 2020

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What You Should Know

  • Two drivers owning the same car is common among married drivers.
  • Married drivers pay less for auto insurance than single drivers.
  • Co-owning a vehicle with a teen driver can save you hundreds on auto insurance.

It’s common to have car insurance for two drivers with one car when the policyholder(s) are married or if a parent is co-owning a vehicle with a teen, which is a good way to save on auto insurance for teenagers. Auto insurance for multiple drivers is one way to get an auto insurance discount and get coverage for all the drivers in one household.

But how much money can you save by adding multiple drivers on auto insurance? We’ll talk about that and more in this extensive guide.

Search for companies in your area that offer auto insurance for two drivers who own one car by entering your ZIP code in the FREE comparison tool above.

One Car, Two Drivers Auto Insurance

It’s common to have one car and two drivers on the same insurance policy. You’re likely to receive cheaper auto insurance rates when you’re married and co-own the same vehicle. According to the Charles Schwab Corporation, auto insurance companies provide several discounts to married policyholders.

Since both drivers own the same vehicle, the primary policyholder would just add the spouse as a driver. Adding your spouse to your auto insurance policy works the same as adding a teen driver or other trusted person.

Can you have two auto insurance policies for two different cars?

You can be in the same household with different car insurance policies. Two different auto insurance policies in the same household may be necessary if married couples have ownership over their vehicles. Sometimes, a teen driver will own a car and choose to pay for an individual auto insurance policy.

It’s especially common for adults who live together, whether it be adult kids living at home or roommates living in one residence.

What about three cars and two drivers on auto insurance? It would cost more per month, but it would work the same. All drivers in the household should be added to the insurance policy because it’s likely more than one person drives.

A second car insurance policy would be expensive. Adding a vehicle to an existing insurance policy is much cheaper than taking out a second policy.

Adding a second car to insurance costs less for the policyholder or spouse. Two different policies are more expensive on the household, but the same policy with multiple drivers and multiple cars can save you hundreds on auto insurance.

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Multi-Driver Auto Insurance

Don’t be nervous about having multiple drivers on your auto insurance. A teen driver can increase rates, but under the right conditions, you can save money. The best auto insurance companies may even offer a discount for multiple drivers. Married customers save the most.

Let’s take a look at the average six-month auto insurance rates from different companies when a policyholder has multiple drivers on their policy.

Average Six-Month Auto Insurance Rates by Company
CompaniesAverage Six-Month Auto Insurance Rates
Liberty Mutual$1,078
State Farm$1,966
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Geico’s six-month rates are the cheapest auto insurance rates, followed by Progressive’s. These general rates could change based on where you live, what you drive, and the driving record of each driver.

Multi-Car Insurance for Two Drivers

You and a spouse can own more than two cars and still be insured if both of you are listed as drivers on the auto insurance policy. Also, all vehicles that you own must have insurance.

If the vehicles are on the same policy, you can receive a multi-car insurance discount. The discount will work for all drivers on the policy. It also saves money if a teen driver is on your auto insurance policy.

Can two people be on the same auto insurance?

Two people can be in the same car insurance. Primary policyholders should add additional drivers to their policy if anyone else in their household is driving the vehicle. Even as the sole owner of the car, you’re able to add multiple drivers to your auto insurance policy.

You can get auto insurance quotes from our FREE comparison tool right now. Just enter your ZIP code below.

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How much does it cost to add a driver to auto insurance?

It depends on who you’re adding. Adding a teen driver could cost you more for auto insurance. If a teen driver has proof of driving course completion and good grades, you may be able to receive a policy discount.

Watch this video on how parents can save money when insuring teen drivers.

Drivers who have questionable driving records can see increased auto insurance rates that are just as expensive as teen auto insurance rates.

Some studies suggest that a teen driver or a driving record with accidents and violations can increase auto insurance by 100 to 160 percent. For example, an average annual rate of $889 per year could become $1,778 per year if you add a teen driver or a driver with violations on their record. Violations include accidents, speeding tickets, and DUIs.

Did you know auto insurance companies look back up to five years on driving records? DUIs can remain on your driving record for up to 10 years, depending on the state. The reason auto insurance companies have such a strong stance on speeding and DUIs is because of the number of fatal accidents that occur as a result of these offenses.

According to the Center for Disease Control (CDC), 29 people die in vehicle crashes involving an alcohol-impaired driver in the U.S. every day, which is about one death every 50 minutes.

Can a car be registered in one name and insured in another?

A vehicle cannot be registered in one name and insured in another. The auto insurance company will need the customer to have an insurable interest.

According to Investopedia, “An insurable interest is an object which, if damaged or destroyed, would result in financial hardship for the policyholder.”

The person who registered the vehicle is usually the person who owns the car. Auto insurance companies can establish insurable interest when registration and ownership are both in the name of the same person.

You can get non-owner car insurance if you borrow or rent cars often, but you’re only covered by liability level auto insurance. For the most part, a driver can’t insure a vehicle that’s registered to someone else.

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How to Lower Auto Insurance Premiums

The best way to lower car insurance rates is through discounts, consistent enrollment in your auto insurance policy, and good credit. That’s right! Your credit score is a factor when determining auto insurance.

According to the Federal Trade Commission, auto insurance companies correlate your credit score to risk. The better your credit score, the less you’ll likely pay for auto insurance.

Of course, a clean driving record can save you more money. If you happen to have fair or poor credit, you may be able to balance out an expensive auto insurance rate with a clean driving record.

If you want to start comparing auto insurance for multiple drivers, enter your ZIP code in the FREE comparison tool below to get started.

Frequently Asked Questions: Auto Insurance for Two Drivers Who Own One Car

Let’s recap what you’ve learned in our guide and look at some additional information. Below you’ll find common questions asked on search engines across the internet, along with their answers.

#1 – Is it cheaper to put two cars on one policy?

Yes. Getting two different policies costs more money for everyone in the household. However, two people who separately own their own cars will have no choice but to get two separate policies.

#2 – Can you be insured as the main driver on two cars?

Yes. Auto insurance companies provide multi-car discounts for policyholders who own more than one car.

#3 – What is the best multi-car insurance?

Direct General, Elephant Insurance, and Infinity Insurance have savings of up to 38 percent.

#4 – Does Geico have an additional driver fee?

Yes. Geico doesn’t list the exact amount, but you will see the additional driver fee when you get an online Geico quote.

#5 – How many additional drivers can you have on auto insurance?

You can add up to four drivers on your auto insurance policy.

#6 – What is the cheapest way to insure two cars?

The most affordable way to insure two vehicles is to add the vehicles you own to your current auto insurance policy. If you don’t own the car, you may have to purchase non-owner car insurance.

#7 – Can I have multiple auto insurance policies?

Yes; you can have multiple car insurance policies, but you can’t have multiple policies on the same vehicle.

#8 – Will my insurance go up if I add another vehicle?

Yes. If you’re adding another vehicle to your policy, you will pay more, but you’ll likely also get a multi-car discount to offset some of the cost.

#9 – Does auto insurance cover multiple drivers?

It can. The primary policyholder would have to add drivers to their policy. Also, there are perks to auto insurance that cover personal injuries and medical bills, but you’ll need the right coverage.

#10 – How much does it cost to insure two cars?

The national average for auto insurance is $1,030 per year. Insuring two cars can get you a discount of 10 to 25 percent. Insuring two vehicles would be $2,060, but with the multi-car discount, you could pay between $1,545 and $1,854 per year for two cars.

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