How to Add or Remove a Driver from Your Insurance Policy
If you need to add or remove a driver from your insurance policy, you’ve come to the right place. Whether you're adding a spouse, a teen driver, a roommate, or removing someone who no longer drives your vehicle, this form makes it fast and simple. Just fill out the details, and our team will review and process the change, usually the same business day.
When Should You Add a Driver?
You should add a driver to your policy if they live in your household and regularly use your insured vehicle. This includes family members, roommates, or anyone who has frequent access to your car. If a person drives your vehicle more than just occasionally, most insurance companies require that they be listed on the policy.
Adding a driver ensures your coverage remains valid in the event of an accident. Omitting regular drivers can lead to denied claims, coverage disputes, or policy cancellation. It’s always better to disclose up front than to deal with a surprise later.
When Should You Remove a Driver?
You may want to remove a driver if they’ve moved out, no longer use your vehicle, or have obtained their own insurance. Common examples include ex-roommates, adult children who have left the household, or former spouses. Removing unnecessary drivers can sometimes reduce your premium — and it helps keep your policy clean and accurate.
Keep in mind: if the driver you're removing still lives with you and may occasionally use the vehicle, you may need to list them as an excluded driver depending on your carrier’s rules.
What Information Do We Need?
To add a driver, you'll need their:
- Full name
- Date of birth
- Driver's license number
- State of license
- Relationship to you
- Any known tickets or accidents in the last 5 years
How Long Does It Take?
Most changes are processed within one business day. Once we receive your completed form, a licensed representative from Advice Insurance will review the request, contact you if needed, and send confirmation once the change is made. Some driver additions may require carrier underwriting, especially if the driver has a history of violations or is under 25 years old. We’ll keep you in the loop throughout the process.
Why Keeping Your Policy Up to Date Matters
Insurance is based on risk — and your carrier calculates your premium based on who’s driving the vehicle. If you haven’t updated your driver list in a while, now’s a great time to make sure it’s accurate. Listing all active drivers helps avoid coverage issues in the event of a claim, ensures your billing is correct, and protects you legally. Many drivers don't realize that even a well-meaning omission can lead to serious consequences — especially if the unlisted driver causes an accident. Keeping your policy current ensures you're covered when it matters most.
Common Situations That Trigger Driver Changes
Not sure if it’s time to make an update? Here are some of the most common reasons customers use this form:
- A teen driver gets their license
- A family member moves in or out
- Someone on the policy no longer drives
- You hire or dismiss a nanny, caregiver, or employee who uses your vehicle
- Roommates sharing vehicles
Need Help Deciding?
Not every situation is clear-cut. If you're unsure whether someone needs to be added or removed, we're happy to help. Our licensed team can walk you through your options based on your carrier’s rules and your specific policy. You can also visit the California Department of Insurance for more information on driver disclosure laws and coverage requirements in our state.
You can also review more policy service options on our Customer Service Center page. We’ve made it easy to request ID cards, file a claim, make a payment, or update your policy — all online, 24/7.
To learn more about California driver disclosure and insurance laws, visit the California Department of Insurance.