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. If you lend your car to someone and that person causes an accident, Progressive may cover some of the damages they are responsible for.
Sharing car insurance with someone else can result in a lower price than buying two separate policies. In most cases, you can add an unmarried couple to your car insurance policy if you both share a permanent residence. We charge a higher rate for customers who are more likely to file claims and a cheaper auto insurance rate for customers who are least likely to file claims. You can change insurers at any time, even if you just renewed your policy with another insurance company.
Most insurers allow you to add a partner, such as a boyfriend, girlfriend, fiancé, or domestic partner, to your car insurance policy if you live together. Some states and insurance companies require that all members of the household who are of driving age, including friends, be listed on your car insurance policy as drivers. If you and your friend don't currently share an address, they won't be able to appear on your car insurance policy even if you plan to move later. With most insurers, unmarried couples can share a joint auto insurance policy or add to each other as drivers listed on separate policies.
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 you share car insurance with your girlfriend, boyfriend, fiancé or domestic partner and you break up, your partner will have to take out their own insurance policy, since they no longer live together or drive each other's vehicles.