Who Is Covered to Drive Your Car?
January 2, 2024 4 minute read

Ever wondered if your friend can drive your car and still be covered by your insurance? It's a common question, and we're here to help. This post will explain your auto insurance coverage in simple terms, so you know who can safely share your car.

Understanding Your Coverage

To answer your question: yes, in many instances, your auto insurance policy does extend coverage to drivers who use your car with your permission. This is known as 'permissive use' and usually includes occasional use by friends and family members. But keep in mind, each insurance policy is unique, and specific coverage details may vary.

Family Members and Your Insurance

When it comes to family, your auto insurance policy usually has you covered. It typically includes family members who live with you and occasionally use your car. Just a heads up, most insurance companies expect all licensed household members to be on your policy. This is super important to make sure your family is fully covered when they're behind the wheel.

Excluded Drivers and Your Policy

Sometimes, you might need to make a tough call and exclude a driver from your policy, meaning they won't be covered when driving your car. This could be a smart move if a driver is high-risk and might bump up your rates. It's a decision that deserves some thought, as it directly affects how protected you are under your policy.

Primary vs. Secondary Insurance Coverage

Now, here's something important to note: if a friend or family member with their own insurance gets into an accident in your car, understanding how insurance coverage is sorted is crucial. Usually, your policy is the go-to (primary coverage), and the borrower’s insurance kicks in as a backup (secondary coverage) if the costs go over your policy’s limits.

Exceptions: Non-Permissive Use

As with most things in life, there are exceptions. For instances like theft or if someone takes your car without permission, your insurance plays by different rules. That's why getting to know the nitty-gritty of your policy is crucial.

Curious about adding your teen driver to your policy or if they need extra insurance? Don't miss our article: “Everything You Need to Know About Insuring Your Teen Driver in Maine and New Hampshire.”


General guidelines exist about who can drive your car under your insurance, but the details vary based on your individual policy. To fully understand your coverage, it's essential to be familiar with your policy's specifics and consult with your Chalmers agent for personalized advice.

We're Here to Help

Have questions or looking for more information? Our Chalmers Insurance team is always available to provide the clarity and assistance you need. Feel free to reach out for expert guidance in all your insurance matters.

Back to Learning Center

"Chalmers Insurance is staffed with local people. These are people I see at the grocery store and know by name. I place complete trust in these neighbors to look out for my best interests with Chalmers insurance products or services."
- Tim P.
"The customer service Chalmers provides is outstanding. Imagine calling an insurance agency and feeling better than before you called. I'll never switch."
- Melissa E.
"Your agency takes good care of us with your dedication, love, and care."
- Customer since 2007
"Chalmers Insurance has always had our backs. They are respectful and so pleasant to work with. We are so thankful for having them in our lives!"
- Angelo C.
"Chalmers is always so helpful and always accommodates our requests with professionalism and humor! "
- Robert H.
"The Chalmers Group was super friendly, energetic and somehow made me feel happy about purchasing insurance, something I thought I would never say in my life. They were kind, honest, and more than you could wish for while shopping for something as mundane as insurance. Six out of five stars. "
- Jordan P.
"Chalmers was excellent throughout the process. They improved our coverage and ultimately reduced our premium. My agent communicated where there were differences and prepared a nice comparison of coverage. I was happy to place our coverage with Chalmers. "
- Susan A.
"Chalmers was quick to help me with a problem; my agent was knowledgeable and super supportive. I appreciate the professionalism and sense of humor. Overall, it was a wonderful experience. "
- Jan H.
"Chalmers walked me through everything in detail. They were fast to respond, friendly and knowledgeable."
- Sean G.
"My Chalmers agent was very helpful, knowledgeable, and patient with the process. To sum it up, the only thing better than my Chalmers agent would be two of her. "
- Richard S.
"Chalmers made it super simple and I had coverage before my lunch break was over. I was very satisfied. "
- Geoffrey P.
"My Chalmers agent answered all of my questions, explained insurance jargon to me, and was polite and knowledgeable. "
- Jennifer T.
"I appreciate how friendly the Chalmers Group is when I talk to them. They always have a positive attitude. "
- Amanda H.
"Always available and always kind. Chalmers works to find solutions."
- Elaine C.
"I appreciate being able to talk to an actual person who is both knowledgeable and helpful."
- Duke M.
"Helpful, knowledgeable staff that truly cares and takes the time to make a personal connection!"
- Aaron C.
"My interactions with Chalmers have always been flawless: quick, informative, highly professional. Having my home insured with Chalmers makes me feel good!"
- Client since 2016