GEICO Insurance: How to Add Another Driver Easily

Adding another driver to your GEICO insurance policy doesn’t have to be complicated. Whether you’re sharing a car with a family member, adding a teen driver, or accommodating a friend who frequently borrows your vehicle, GEICO makes the process straightforward. In today’s fast-paced world, where carpooling, ride-sharing, and multi-driver households are becoming the norm, knowing how to update your policy efficiently is more important than ever.

Why Adding Another Driver Matters

The Rise of Shared Mobility

With the increasing popularity of shared mobility solutions like Uber, Lyft, and car-sharing platforms, more people are splitting driving responsibilities. Even if you’re not a rideshare driver, you might occasionally lend your car to a roommate, sibling, or partner. Adding them to your policy ensures everyone is covered in case of an accident.

Teen Drivers and Safety Concerns

Teen drivers are statistically more likely to be involved in accidents. If you have a young driver in your household, adding them to your GEICO policy is not just a legal requirement in many states—it’s also a smart way to monitor their driving habits through programs like GEICO’s DriveEasy, which tracks safe driving behaviors.

Avoiding Coverage Gaps

Let’s say your best friend borrows your car for a weekend trip. If they get into an accident and aren’t listed on your policy, you could face complications with your claim. By adding them as an occasional driver, you protect yourself from unexpected liabilities.

How to Add Another Driver to Your GEICO Policy

Step 1: Gather Necessary Information

Before making any changes, you’ll need:
- The new driver’s full name and date of birth
- Their driver’s license number
- Their driving history (any past accidents or violations)
- Estimated annual mileage they’ll be driving your vehicle

Step 2: Log Into Your GEICO Account

The easiest way to add a driver is through GEICO’s online portal or mobile app. Simply:
1. Sign in to your account.
2. Navigate to the "Policy" section.
3. Select "Add a Driver" or "Manage Drivers."

Step 3: Provide Driver Details

Enter the required information for the new driver. GEICO may run a quick driving record check, which could affect your premium.

Step 4: Review and Confirm

Before finalizing, review the updated policy details, including any changes to your premium. If everything looks correct, confirm the addition.

Alternative: Call GEICO Customer Service

If you prefer speaking to a representative, call GEICO’s customer service at 1-800-861-8380. They’ll guide you through the process and answer any questions.

How Adding a Driver Affects Your Premium

Factors That Influence Cost

• Age & Experience: Younger or inexperienced drivers typically increase premiums.
• Driving Record: A clean record may minimize the impact, while past violations could raise costs.
• Vehicle Usage: If the new driver will use the car frequently, expect a higher adjustment.

Discounts to Offset Costs

GEICO offers several discounts that can help:
- Multi-Driver Discount – Save when multiple drivers are on one policy.
- Good Student Discount – If the new driver is a student with good grades.
- Defensive Driving Course – Completing an approved course may lower rates.

Common Questions About Adding Drivers

Can I Temporarily Add a Driver?

Yes! If someone will only drive your car for a short period (e.g., a visiting relative), you can add them temporarily. Contact GEICO to discuss short-term options.

What If the New Driver Has a Poor Record?

GEICO may still allow the addition but could adjust your premium significantly. In some cases, they might recommend excluding the driver from coverage, meaning they wouldn’t be insured under your policy.

Do All Drivers in My Household Need to Be Listed?

Most insurers, including GEICO, require all licensed household members to be listed on the policy—even if they rarely drive your car. Check your state’s laws to confirm.

Final Tips for a Smooth Process

• Update your policy ASAP – Don’t wait until the new driver needs to use the car.
• Compare quotes – If adding a driver drastically increases your premium, shop around.
• Encourage safe driving – Programs like DriveEasy can help keep costs down.

By following these steps, you’ll ensure everyone who drives your car is properly covered—saving you from potential headaches down the road.