An occasional or secondary driver is an individual who regularly drives a vehicle, but isn’t the most frequent driver. An occasional driver is often a child of an adult driver who is added to a car insurance policy after obtaining their G2 license. Other examples of a secondary driver include a spouse who uses the vehicle to drive errands, roommates who regularly use the vehicle, other family members, etc. Secondary drivers are protected under the same coverage as the primary driver on the policy. The main change policy-holders will see is an increase in their insurance premiums as a result of adding an additional driver to the contract. Whether or not this increase is large will depend on the experience of the driver being added. An experienced driver with a clean record, for example, will result in a smaller increase in your insurance premiums than a G2-licensed driver. All drivers in a household who hold active licenses and share one vehicle should be listed as occasional drivers on that family auto insurance policy.