Many insurers, including Progressive, allow you to add a friend to an auto insurance policy as a driver if you share a permanent residence. Most insurers will also allow you to share a joint car insurance policy with a friend by adding both sets of cars to the policy. If your friend doesn't live with you, it usually can't be added to your policy. Getting car insurance for a young driver can be expensive due to their lack of driving experience, so a separate policy may not be the best option.
In most cases, it's cheaper to add your licensed or licensed teen driver to your current car insurance policy. The coverages and limits of your policy will be extended to your teen driver, and some insurers, including Progressive, offer discounts to help offset the cost of insuring a new driver. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for. However, the vehicle must be regularly parked at your residence overnight for Progressive to insure it in your policy.
Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverage. If it's been a few months since you received your quote, the rates in your area may have been revised, which could decrease or increase the price you pay for your car insurance policy. So, assuming that all your friends live at the same address, you can add more than one friend to your car insurance policy. Request a car insurance quote online or call 1-866-749-7436 and we'll ask you the right questions so that your teen has the right coverage.
In addition, if your policy includes car rental reimbursement and your car is damaged in a covered accident, Progressive will pay the rent (up to a specified limit and term) while your own car is repaired. A teen driver must have car insurance in almost every state, so you can add it to your policy or insure it with a standalone policy. If you live in the same residence as your friend, you can usually add it to your car insurance because the vehicles are parked in the same place. A standalone car insurance policy for teen drivers can be expensive because they are more likely to drive distracted, drive faster, carry a tailgate, and not wear a seatbelt.
An auto insurance policy for a 16-year-old driver who just received their license is likely to be more expensive than a policy for an 18-year-old with more driving experience. If you add your teen driver to your car insurance policy, they'll benefit from the same protection as you. During your progressive quote, you won't be able to select car insurance coverages that don't apply to you.