Many insurers, including Progressive, allow you to add a friend to an auto insurance policy as a driver if you share a permanent residence. Most insurers will also allow you to share a joint car insurance policy with a friend by adding both sets of cars to the policy. If your friend doesn't live with you, it usually can't be added to your policy. Whether it's a roommate, a spouse or partner, or even a teenager or a college student, there are many situations where it makes sense to add a driver to your car insurance.
Adding a driver to your insurance policy means that they are an insured driver under your policy when driving your car. You should add any regular driver of your car to your insurance policy to cover damage caused by accidents. When you add someone to your car insurance, you can call your car insurance company or log in to your online account to add a new driver to your policy. If you live in the same residence as your friend, you can usually add it to your car insurance because the vehicles are parked in the same place.
If you and your friend don't currently share an address, they won't be able to appear on your car insurance policy even if you plan to move later. However, drivers who choose not to purchase auto insurance must show that they have sufficient funds to meet the state's financial responsibility requirements (PDF) in the event that they cause an accident. If you are married and live in the same household, Progressive and many other insurers require that you and your spouse be covered by the same policy. Some states and insurance companies require that all members of the household who are of driving age, including friends, be listed on your car insurance policy as drivers.
Because of differences in laws and providers, the costs and requirements of car insurance in California and Texas vary. Many insurers, including Progressive, require that you add a spouse to your car insurance policy if you both live in the same household (unless your state gives you the option to exclude your spouse). Most insurance companies allow (and may require) you to add another driver to your car insurance policy if the person drives the insured cars regularly or shares the same permanent residence. Sharing a car insurance policy with a friend could help both of you save money by splitting the costs of some car insurance coverages.
Sharing an auto insurance policy, on the other hand, typically means that both vehicles are covered by a single policy.