Driver authorization

Driver authorization defines the insurer’s formal approval for specific individuals, such as named drivers or household members, to operate a covered vehicle under an auto insurance policy. Insurers require driver authorization to assess risk accurately and calculate premiums based on authorized drivers’ driving records; for example, State Farm and Allstate adjust rates if you add teen drivers.

Unauthorized drivers–such as friends not listed on your GEICO policy–typically trigger claim denials after accidents. Most insurers in the US, including Progressive and Farmers, mandate that all regular operators be disclosed during underwriting.

Driver authorization lists often include spouses and children with licenses; omission can result in non-renewal or cancellation by companies like Nationwide. Temporary driver authorizations allow short-term coverage for visiting relatives but usually expire within 30 days per Liberty Mutual guidelines, as stated by YourInsuranceInfo.

Some policies offer permissive use clauses authorizing occasional drivers (e.g. coworkers) but limit liability coverage amounts compared to fully authorized users. Insurers verify driver authorization through DMV record checks at renewal and when processing claims; discrepancies may void coverage according to Travelers’ policy terms.