Excluded Drivers: Our Insurance Expert Answers Your Questions

Does everyone in your home need to be listed on your auto policy? Part 3 of our FAQs series explains the rules about excluded drivers.

Our FAQs series answers real questions from our blog readers. Today, we look at who in your household needs to be listed on your insurance and who can be excluded.

With help from Nicole D., one of our many invaluable experts, we’ve compiled some explanations to shed light on this often-perplexing subject.

Please note: the information provided below doesn’t necessarily reflect the processes or opinions of Esurance. These are general guidelines. Since regulations vary widely across the country, you should always confirm your local insurance requirements with your state and insurer.

Excluded drivers: frequently asked questions

Who in my household needs to be listed on my policy?

Most insurers require that all drivers with regular access to the vehicle be added to the policy. That way, the insurance company can review the driving records and risk factors of the possible driver(s) and rate the policy accordingly.

Certain people in your household wouldn’t typically be considered possible drivers, however, and could be left off your policy. These include children under the age of 16 or anyone who is physically incapable of driving due to disability.

Can I choose to exclude a driver from my policy?

Possibly. Some states give policyholders the option to exclude occasional drivers. An exclusion is a formal acknowledgment stating that certain drivers will not drive your car.

If the excluded driver ends up driving the car and has an accident, however, your insurance company won’t pay for the damages, which means you could be left holding the bag.

Many states only allow exclusions in certain situations, like if the driver has a suspended or revoked license or if you can prove that they have comparable insurance coverage somewhere else. These laws can vary from state to state.

Criteria for exclusion can also vary from one insurance company to another. Each state sets the minimum requirements for exclusion, but each insurance company sets their own underwriting guidelines within that framework.

If I give someone permission to drive my car, are they covered under my insurance?

It depends. If they don’t live at the same address as you and/or only drive your car occasionally, they may be covered under what’s known as permissive use (as long as your policy includes that provision). But if your policy has restrictions for permissive users, it may not provide the same level of coverage for that driver as it does for the drivers listed on your policy.

If you loan your car to someone who has their own insurance, coverage for an accident may be divided between their policy and the permissive use coverage provided by your policy.

But if the other driver is regularly driving your vehicle, your insurer may require them to be added to your policy to account for your vehicle’s increased exposure to risk, whether or not the driver is a member of your household.

If I live with my parents and drive their car, am I automatically covered?

No, coverage doesn’t happen automatically, so your parents should check to make sure you’re fully covered under their policy.

If someone in my household doesn’t have a license, do I still need to list them on my insurance?

Depending on the state and your insurance company, you might be required to list them. Sometimes people who “don’t drive” end up driving in an emergency or other unforeseen situation.

If a person of driving age is part of a household, it’s reasonable to assume they have access to the car(s) in the household. Because of this, an insurance company would typically want to protect themselves and the policyholder by either collecting the appropriate premium to insure the driver or excluding the driver from coverage.

Some unlicensed drivers that insurance companies may require on your policy include:

  • People who had a drivers license in another country
  • People who have previously had a learners permit but never passed the Operators License test
  • People who have previously been cited for driving without a license
  • People with a suspended or revoked license

Whether or not any of the above drivers could be excluded varies by state and insurer.

Excluded drivers: the bottom line

While it may seem strange to insure someone in your household who is unlikely to drive, it’s all about balancing risk. If that person isn’t listed on your policy and they end up having an accident in your car, you could be liable for all the damages and injuries.

We hope this post has answered your questions, but if there’s anything else we can clear up for you, please ask away in the comments section below.

Related links

Myth: car insurance follows the driver
Out-of-state car insurance: everything you need to know
SR-22 explained: What is it and when do you need one?

54 Responses to “Excluded Drivers: Our Insurance Expert Answers Your Questions”

  1. Avatar for Ellen Hall
    March 17, 2016 #

    Hi, so about 2 days ago I got into a collision accident that involved about 5 cars. I ended up getting a ticket for traffic violation of, going to fast down the ramp (even though I was going at speed limit)but the officer told me that I "should have assumed the worst" with the bipolar weather that we have & should have been going below speed limit, and a warning for not staying in one lane. The cause of accident was due black ice. However, because I was the first car to slip (down a ramp on the freeway), followed by several other cars, I was hit immensely & although I'm not sure who hit who or who hit me there was a car that came approximately a few minutes after the whole incident and hit the right side of my car, but you see the cars ensured by my dad's insurance since he owns the car. Unfortunately, his insurer will not pay for any of the damages caused since I'm listed as an "excluded" driver, but what I'd like to know is how can I file a claim to the guy who I know for sure hit me (because the highway patrol officer did provide me his insurance information) to help pay for the expenses of the damage caused. And are they all going to try to blame me for this accident ? What should I expect ?

    • Avatar for Ellen Hall
      Rachael Heller
      March 21, 2016 #

      Hello Aliyah,

      You will need to discuss the options with either your father’s insurance company or the other party’s company. Unfortunately, this type of question can only be addressed by a trained claims professional.

      Thanks for reading.

  2. Avatar for Ellen Hall
    jessica salcedo
    March 18, 2016 #


    I was involved in a wreck in my mother's car. I am listed as an excluded driver, However the car has full coverage, but insurance does not want to cover because of that.The person that hit me did not have insurance so i can not go after them. They took the case to management to see if they can help her out even though, she did sign a paper excluding me from being a driver . Now, before they make they make the final decision (Insurance) wants to know if i was living in household 2 Years Prior to accident and day of accident, Why? What difference does that make in the decision Making of either helping or denying claim ? Please Help!!

    • Avatar for Ellen Hall
      Rachael Heller
      March 21, 2016 #

      Hello Jessica,

      Because there is a claim concern involved here, the only person who could answer that would be your claim adjuster.

      Thanks for reading.

  3. Avatar for Ellen Hall
    Linda Adlebush
    March 21, 2016 #

    My son is in process of divorce. Wife's DL is suspended and she is living in another town with mom and stepdad. Can son remove her from car insur policy

    • Avatar for Ellen Hall
      Rachael Heller
      April 8, 2016 #

      Hello Linda,

      Due to the legal nature of the situation, we would suggest that your son speak with his attorney. The courts may have asked that one of the two of them maintain coverage on their vehicles.

  4. Avatar for Ellen Hall
    March 24, 2016 #

    Hi, my daughter got in a car accident in my car. She was not on my policy and my insurance company is saying my policy was expired. Now the people she hit insurance company is calling me saying if I don't pay the other driver a Lil over a thousand dollars. They gonna have my drivers license suspended!!! Can they do that?

    • Avatar for Ellen Hall
      Rachael Heller
      April 8, 2016 #

      Hello Roshonda,

      Unfortunately, this could be a possibility. We would suggest speaking to an attorney for more detailed answers to your concerns.

      Thanks for reading.

  5. Avatar for Ellen Hall
    Sydney Martinez
    April 14, 2016 #

    Hi, about two weeks ago I got into a car accident in my mothers car. I am not on the policy due to me living with my dad, but my mailing address is my mothers address because i went to high school 5 min away from her house and just recently graduated from high school in 2015. So therefor I just haven't gotten around to changing my mailing address since graduating. The insurance called the people i hit and told them they are not covering us but never notified us, all they did was send us a letter saying to contact them because they had further questions. The accident was a hit and run. People from behind hit me while I was braking down an overpass which caused me to spin out of control and hit someone else. The person who hit me never stopped. Can my insurance do this ?

    • Avatar for Ellen Hall
      Rachael Heller
      April 18, 2016 #

      Hello Sydney,

      Unfortunately, the insurance companies may have the ability to deny a claim due to a driver not being listed on a policy. However, every situation is a little different. Your best option would be to work directly with the insurance company to see if there are any exceptions or options you may have in this situation.

      Thanks for reading.

  6. Avatar for Ellen Hall
    April 15, 2016 #

    my question is: if I request to remove the adult kid who live in other state from my car insurance, does means the kid's name will be added under excluded drive list automatically by insurance company? do I have to sign some formal form for the exclusion? thanks in advance

    • Avatar for Ellen Hall
      Rachael Heller
      April 18, 2016 #

      Hello Cindy,

      Exclusions would never be automatic in that situation. We suggest calling and speaking to your insurance agent directly for more detailed information.

      Thanks for reading.

  7. Avatar for Ellen Hall
    May 10, 2016 #

    i have a question. Im tring to get auto insurance but my boyfreind he had his licens took from him and now all these auto insurance companys are telling me i cant get it because of him where we live in the same house is there any hope for me? Can some one please help me?

    • Avatar for Ellen Hall
      Rachael Heller
      May 16, 2016 #

      Hello Sophia,

      Great question. Depending on your state, you may be able to get a driver exclusion form to ensure that he’s not covered if he were to drive your car. Your only other option may be to have him get his license back so he can be added to the policy, or move to different addresses until he can get his driving privileges back.

  8. Avatar for Ellen Hall
    Alex Laszar
    May 13, 2016 #

    I live with my sister, same last name. I was in 2 accidents in a short period of time. We have our own vehicles with separate insurance. She has seen an increase in her premium and thinks it is because of my accidents and the fact that we live in the same house and have the same last name. Is this possible? We do not drive each others vehicles.

    • Avatar for Ellen Hall
      Rachael Heller
      May 16, 2016 #

      Hello Alex,

      This is not uncommon. You would want to contact CLUE directly to fix your report. This should help with any insurance company who uses CLUE for their driving record reports.

      Phone: 888-497-0011 (dispute record)
      Mail: PO Box 105108
      Atlanta, GA, 30348-5108

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