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Do I need my own insurance policy if I am listed as a driver on my brother's policy?

My brother and I live together. I totaled my last car and didn't see the point in getting another one. He added me as a driver to his policy, but do I need to have my own policy to be fully covered?

Shannon Martin · Updated on May 6, 2021

Reviewed by Shannon Martin, Licensed Insurance Agent.

“No, if you are listed as a driver on your brother’s car insurance policy, you are a fully covered driver. Whatever

type of car insurance

he is carrying on his policy will extend to you as a driver.

If your brother is thinking about switching his car insurance in the near future to save money, he can go to

. This free app is the easiest and most effective way to find a car insurance policy that is customized for him. “

View full answer

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Jerry partners with more than 50 insurance companies, but our content is independently researched, written, and fact-checked by our team of editors and agents. We aren’t paid for reviews or other content.

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