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No. Any drivers must be listed on your auto policy. If she is an adult without a bad driving record, your rates will probably not change at all. The second issue is where does she live? You must notify your insurance company to add the daughter as a driver and you must also give the insurance company the address where she lives and where the vehicle will be parked. These two items are important factors for rating the auto insurance properly and are required in your policy. As a matter of full disclosure, I own and operate a small Independent Insurance Company in Central Georgia and have for the past 22 years. Prior to that I worked as an agent for a direct writer of insurance for 3 years.

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Q: Can your adult daughter who does not live with you drive your car without being on your insurance in new york?
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