When applying for or updating your auto insurance policy, one common question is whether you must list every household member on your policy, even if they don’t drive your vehicle. The answer depends on various factors, including the insurer’s policies and state regulations. In Florida, understanding these nuances is crucial for maintaining the right coverage and abiding by state insurance requirements.

Household Members and Auto Insurance

Auto insurance providers often require you to list all licensed drivers in your household on your policy. Insurers may assume that all licensed household members have access to your vehicle, but this could affect your risk level and premium.

Drivers with multiple moving violations and those convicted of serious offenses like DUI can increase your auto insurance costs.

However, some insurers may allow you to exclude certain household members from your policy if they don’t drive your car. If you exclude a driver from your policy and they operate your vehicle, any resulting claims may not be covered.

Whether you can exclude a household member from your coverage varies by insurer and may require additional documentation. Your agent can help determine whether excluding certain household members from your insurance is viable.

Florida Auto Insurance Requirements

In Florida, drivers must carry certain types of insurance to meet state requirements, even if they don’t own a car. Drivers excluded from your policy still need auto insurance coverage that meets or exceeds the state’s minimum limits, including teens with driving permits.

Florida’s insurance regulations require personal injury protection (PIP) and property damage liability (PDL). These coverages pay only up to the policy’s limits, so purchasing the minimum amount may not provide adequate financial protection, especially if you have an inexperienced driver in your household.

If someone in your household might use your vehicle, even infrequently, including them in your policy is wise.

Contact Us

Contact Gene Smith Insurance Agency in Dade City, Florida, to learn more about the state’s insurance requirements and get compliant auto insurance. Our team can help you determine who to list on your policy and compare quotes to get favorable rates.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.