Can Someone Else Drive My Car? What You Need to Know About Insurance Coverage

It’s a common scenario: a friend borrows your car to run an errand, or a family member takes the wheel for a quick trip. But many drivers pause before handing over the keys and wonder, can someone else drive my car? And will my insurance cover them?

Understanding “Permissive Use”

Most auto insurance policies include what’s called permissive use, meaning your insurance covers someone you allow to drive your vehicle occasionally. However, the specifics can vary:

Your Policy Follows the Car
In most cases, your auto insurance is tied to the vehicle, not just the named driver. If you give permission, your coverage—liability, collision, and comprehensive—often extends to the borrower. The saying to remember is, if you loan your car, you loan your insurance.
Occasional vs. Regular Drivers
Coverage is typically meant for infrequent use. If someone drives your car regularly, like a roommate, partner, or other household member, they should be listed as a driver on your policy to avoid coverage gaps.
Deductibles and Limits Still Apply
If you allow an occasional operator to drive your vehicle and an accident happens, the claim will be counted as a loss on your policy. This could potentially raise your rates, even if you weren’t behind the wheel.

Caution Allowing Others to Drive Your Car

Keep in mind your policy may not cover:

Unlicensed or Excluded Drivers
If the person is not licensed or is specifically excluded from your policy, your insurance won’t cover an accident.
Business Use
If a friend uses your car for work-related tasks, like making deliveries or ride-sharing, coverage could be denied.
Regular, Frequent, or Extended Use

Anyone who is using your vehicle on a regular, frequent, or extended basis should be added to your personal auto policy as a rated driver.

Key Takeaways Before You Lend Your Keys

Confirm your policy includes permissive use.
Make sure the borrower has a valid driver’s license and good driving record.
Understand that any accident could affect your insurance history.

Have Questions About Letting Someone Else Drive Your Car?

Insurance rules aren’t one-size-fits-all. At McConkey Insurance & Benefits, our Personal Lines team specializes in reviewing auto insurance policies and making sure you’re properly protected—whether it’s you or someone else in the driver’s seat.

We are here to help you: