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24+ Adding Someone To My Car Insurance Policy Pictures . If you unknowingly add someone to your policy who shouldn't be, you risk getting dropped from your insurer. If someone—whether they're a guest staying with you, a babysitter or anyone else—will be frequently using a car you own over an extended period of time, we recommend adding them to your auto. Cheapest Car Insurance Companies In 2020 U S News World Report from cars.usnews.com When you give someone permission to drive your car, your car insurance will be the primary insurance if an accident were to happen, with the adding your friend as a driver to your policy could raise your rates considerably, due to their bad driving record, so you try to get around it by not adding. You always want to let the insurance company know the circumstances. Since you already have a policy in place, making changes is easy and does not require any.