How car insurance works for newly licensed drivers—teens, young adults and adults learning later—and how to pay less for it.

Glossary term

Primary driver

Primary driver: The driver an insurer assigns to a vehicle for rating—usually the one who drives it most. New drivers are often rated as occasional drivers on a family car.

Where this term matters

Guides and entries on this site that use the term.

Guide

Own Policy vs Parents' Policy for a New Driver

When a new driver should be added to a parent's policy, when a separate policy makes sense, and how vehicle ownership and address affect the answer.

Related terms

Household member

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