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How much does it cost to add a secondary driver?

Posted on Aug. 24, 2017

Adding a secondary driver to your auto insurance policy can be a great decision. By bringing someone else on board, you have more flexibility in terms of coordination and organization. Otherwise, it always falls on the shoulders of a single person to be the designated driver—no matter how tired, intoxicated, or unwilling he or she is.

 

But secondary drivers don't get added for free. And under certain circumstances, they could end up being quite costly.

 

Using SmartCoverage's auto insurance quoting tool, we've run some tests to demonstrate exactly how much it costs to add a secondary driver to a policy under a variety of different scenarios. To start, we'll establish a profile for the vehicle and primary/principal driver under the policy.

 

The vehicle

 

Year:  2011

Make:  GMC

Model:  Terrain SLT 4DR AWD

Lease/owned:  Owned

Purchase date:  November 2011

Winter tires:  Yes

Overnight storage:  Private driveway

Primary vehicle use:  Personal

Daily commute:  0 km

Total annual km:  3,000 km

Comprehensive coverage:  Yes

Collision coverage:  Yes

 

Principal driver

 

City:  Toronto

Date of birth:  January 2, 1964

Gender:  Male

Marital status:  Married

Occupational status:  Employed

Current license type:  G

Age first licensed:  16

G license date:  October 1981

Listed on separate policy:  Yes

Time with current insurer:  15 years

Year first listed on a policy:  1980

Desired start date:  September 2017

Insurance cancellations in past 3 years:  None

License suspensions in past 3 years:  None

At fault accidents in past 10 years:  None

Traffic tickets in past 3 years (non-parking):  None

 

Featured quote:  $99.17 per month/$1,190 per year

 

Now, let's try adding in a secondary driver. In this hypothetical case, that driver will be the wife of the primary driver. Like her husband, she won't have any major red flags on her driving record.

 

Secondary driver #1

 

City:  Toronto

Date of birth:  February 2, 1964

Gender:  Female

Marital status:  Married

Occupational status:  Employed

Relationship to applicant:  Spouse

Current license type:  G

Age first licensed:  16

G license date:  December 1981

Listed on separate policy:  Yes

Time with current insurer:  15 years

Year first listed on a policy:  1980

Desired start date:  September 2017

Insurance cancellations in past 3 years:  None

License suspensions in past 3 years:  None

At fault accidents in past 10 years:  None

Traffic tickets in past 3 years (non-parking):  None

 

Featured Quote:  $128.42 per month/$1,541 per year

 

What if this hypothetical couple has a 17-year-old daughter who still only has her G2 license? Let's see how that would affect the premium.

 

Secondary driver #2

 

City:  Toronto

Date of birth:  July 2, 2000

Gender:  Female

Marital status:  Single

Occupational status:  Student

Relationship to applicant:  Child

Current license type:  G2

Age first licensed:  16

G2 license date:  May 2017

Listed on separate policy:  Yes

Time with current insurer:  1 year

Year first listed on a policy:  2016

Desired start date:  September 2017

Insurance cancellations in past 3 years:  None

License suspensions in past 3 years:  None

At fault accidents in past 10 years:  None

Traffic tickets in past 3 years (non-parking):  None

 

Featured Quote:$177.67 per month/$2,132 per year

 

As you can see, the jump from adding the second secondary driver was higher than the one that occurred after just adding the first.

 

But what if that second secondary driver was male? When we adjust the simulation to make that 17-year-old male instead of female, the quote from that same company actually jumps all the way to $203.42 per month/$2,441 per year.

 

Conclusion

 

There you have it. Those are quotes for a fairly common three-person family situation.

 

But that is just one situation out of what is really an infinite amount. If you want to customize the quotes to better match your own situation, give SmartCoverage's quoting tool a try!

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