bf1e605e32056b8a9f2eff03000bf66e.tmb-hero-image.jpg?Culture=en&sfvrsn=721b0bba_1 "Bearded man enjoying an outdoor barbecue with a drink in hand, standing next to a grill on a sunny day, creating a relaxed backyard gathering vibe")
MEET THE AGENCY
Inside Story
Quick answer: Adding a driver to your Indiana auto insurance policy will likely increase your premium. The exact amount depends on the driver's age, experience, driving record and the vehicle they'll be driving. Indiana Farm Bureau Insurance offers several discounts — including Multi-Car, Top Scholar and DriveTrend® — that can help offset the increase.
Your teenager just got their learner's permit. Or maybe a spouse, roommate or family member has started driving your car regularly. Either way, it's time to add them to your auto insurance policy.
The process is straightforward, but the cost depends on a few factors. Here's how it works at Indiana Farm Bureau Insurance — and how to keep the premium impact as low as possible.
Contact your local Indiana Farm Bureau Insurance agent to start the process. The agent will need the new driver’s:
Full legal name
Date of birth
Driver's license number and state of issuance
Driving history (e.g., accidents, violations, claims)
Additional information may be required, depending on the situation. Your agent will walk you through everything.
Indiana doesn't have specific state regulations requiring you to add certain people to your policy. However, you may be required to add anyone who has regular access to your vehicle(s) to ensure you’re properly covered. This includes:
Teen or young adult children who live in your household
A spouse or partner who drives your car
A family member who has moved in and uses your vehicle
Anyone else who drives your car on a regular basis
If someone borrows your car once in a while, they may be covered under your policy as a permissive driver. But if they're driving it regularly — such as commuting to work or running errands — they should be listed.
Factor | Impact on Premium | Details |
Age of the driver | ↑ Higher | Younger drivers (ages 16-24) cost more to add due to limited experience and higher statistical risk. |
Driving experience | ↑ Higher | New drivers with no driving history cost more to add than experienced drivers with a clean record. |
Driving record | ↑↓ Varies | A clean record helps. Tickets, accidents or violations increase the cost. |
Vehicle being driven | ↑↓ Varies | The make, model and year of the vehicle affect the rate. |
ZIP code | ↑↓ Varies | Where the vehicle is garaged overnight affects risk factors, like theft and weather claims. |
Discounts applied | ↓ Lower | Stacking multiple discounts can help offset the cost of your auto insurance premiums. |
If the new driver is a young adult (age 18-plus), you might wonder whether they should stay on your policy or get their own. Generally, policyowners might consider a young adult driver:
Staying on the family policy if the driver lives in your household and shares vehicles. This is often cheaper — family policies benefit from the Multi-Car Discount and shared policy costs.
Getting a separate policy if the driver lives at a different address, has their own vehicle or wants to build independent insurance history. This is more common after age 25 or when the driver moves out.
Your agent can run the numbers for both scenarios so you can see the actual cost difference for your situation.
Adding a driver will increase your premium — but Indiana Farm Bureau Insurance offers multiple discounts that can take the sting out of it:
Discount | Details |
Accident Free Discount | Discount for maintaining a clean claims history |
Auto + Life Discount | Discount for bundling auto with a qualifying life insurance policy |
Drive Less, Save More Discount | Up to 10% off for driving under 12,000 miles per year |
DriveTrend® Discount | Up to 15% off based on safe driving habits via telematics app |
Full Payment Discount | Up to 5% off eligible coverages when premium is paid in full |
Multi-Car Discount | Savings for insuring two or more vehicles with Indiana Farm Bureau Insurance |
Paperless Discount | Up to 5% off qualifying auto premiums for paperless policy documents |
Top Scholar Discount | For students with a cumulative grade point average (GPA) of at least 2.95 on a 4.0 scale (or its equivalent) |
Youthful Driver Discount | For drivers ages 16-24 (enrollment form required) |
View all available Indiana Farm Bureau Insurance discounts to see which ones might apply to your family. For more on saving with young drivers specifically, see our guide: 7 tips to save on car insurance for first-time drivers in Indiana.
Current Indiana Farm Bureau Insurance customers: contact your local agent to get started. New to Indiana Farm Bureau Insurance? Get a free quote to get started.
Adding a driver to your policy will likely increase your premium. The amount depends on the driver's age, experience, driving record and the vehicle they'll drive. Indiana Farm Bureau Insurance offers multiple discounts that can help offset the cost.
The driver will need to provide your agent their full name, date of birth, driver's license information and driving history. Your agent may need additional information, depending on your situation.
In most cases, individuals must be 18 years old to obtain insurance coverage on their own. In Indiana, drivers under 18 must be listed on a parent's or guardian's policy. Even after 18, staying on a family policy may be cheaper until the driver's mid-20s.
Indiana doesn't legally require it, but if your spouse drives your vehicle regularly, they should be listed on your policy and many insurers require it. This ensures they're properly covered and reduces the risk of potential claim complications.
Adding a driver to an existing family policy is typically cheaper than purchasing a separate policy, especially for young drivers. Indiana Farm Bureau Insurance often requires they be listed. Your agent can compare both options for your specific situation.
A driver with accidents or violations will cost more to add to your policy. However, as their record improves over time, the premium impact decreases. Telematics programs like DriveTrend® can help you track and get tips on your driving habits, as well as earn discounts.
Contact Us
*Securities & services offered through registered representatives of FBL Marketing Services, LLC, 225 South East Street, Indianapolis, IN 46202, 317-692-7628, Member SIPC. FBL Marketing Services, LLC, is not affiliated with Indiana Farm Bureau, Inc. or United Farm Family Life Insurance Company.
© 2026 Indiana Farm Bureau Insurance. All Rights Reserved. Farm Bureau, FB, and
the national Farm Bureau logo are trademarks of the American Farm Bureau Federation.
