If your au pair will drive — even occasionally — they must be added to your auto insurance policy. Here's how to do it right.
Why You Can't Skip This
Many host families assume their au pair is "automatically covered" under their existing policy. This is usually wrong.
Most auto insurance policies:
- Only cover named drivers and immediate family members
- Exclude regular drivers who live in your household
- May deny claims if an unlisted driver is behind the wheel
The bottom line: If your au pair drives your car without being listed and gets in an accident, your insurance company could deny the claim entirely.
How to Add Your Au Pair
Step 1: Call Your Insurance Company
Contact your auto insurer (or work through your agent) and tell them you need to add a household member as a driver.
Step 2: Provide Their Information
You'll typically need:
- Au pair's full legal name (as shown on passport)
- Date of birth
- Home country driver's license number
- How long they've been licensed
- International Driving Permit (if required)
Step 3: Review the Premium Change
Your insurer will quote you the additional premium. Get this in writing before confirming.
Step 4: Get Confirmation
Once added, request written confirmation that your au pair is listed on the policy.
What About International Licenses?
Most states accept foreign driver's licenses, but rules vary:
States That Accept Foreign Licenses
Most states allow visitors to drive with their home country license for at least a year. Since au pairs are on J-1 visas (typically 1-2 years), this usually works.
International Driving Permits (IDP)
An IDP is a translation of a foreign license. Some states and insurance companies prefer or require it. It's a good idea to have your au pair get one before they arrive — they're cheap and easy to obtain in their home country.
Getting a U.S. License
Your au pair can get a state driver's license if they prefer. This may actually lower your insurance premium since U.S. licenses are familiar to insurers.
Expected Cost
Adding an au pair to your auto insurance typically costs:
| Factor | Cost Impact | |--------|-------------| | Average | $200 - $800/year | | Young au pair (under 25) | Higher end | | Experienced driver | Lower end | | High-cost state (CA, NY, MI) | Higher end | | Good driving record | Lower end |
Tips to Keep Costs Down
1. Consider Raising Your Deductible
A higher deductible means a lower premium. If you can afford $1,000 out of pocket vs. $500, you'll save.
2. Ask About Discounts
Some insurers offer discounts for:
- Multi-policy bundles (auto + home)
- Good student discounts (if your au pair takes classes)
- Safe driver courses
3. Shop Around
If your current insurer's quote seems high, get quotes from others. Auto insurance is competitive.
4. Limit Driving if Possible
Some insurers offer lower rates for "occasional" drivers. If your au pair only drives a few times a week, ask about this.
Common Mistakes to Avoid
❌ Assuming They're Covered
Never assume. Call and confirm.
❌ Waiting Until After They Arrive
Add your au pair to your policy before or immediately when they arrive — not after the first time they drive.
❌ Not Mentioning They Live With You
Be upfront that the au pair lives in your household. Failing to disclose this could void your coverage.
❌ Letting Them Drive Uninsured "Just Once"
It only takes one accident. Don't risk it.
What If There's an Accident?
If your au pair is properly listed on your policy and gets in an accident:
- Check everyone's safety and call 911 if needed
- Exchange information with other parties
- Document the scene with photos
- Report to your insurance within 24 hours
- Follow the claims process as directed
Your au pair being listed means the claim will be handled normally under your policy.
Frequently Asked Questions
Can my au pair get their own policy?
Technically yes, but it's usually more expensive and complicated. Adding them to your existing policy is simpler and typically cheaper.
What if my au pair doesn't have a license?
If your au pair can't or won't drive, you don't need to add them to your auto policy. Simple.
Does this cover them driving other people's cars?
Your policy typically covers your au pair driving your vehicles. If they drive someone else's car, that car owner's insurance is primary.
Get Your Coverage Sorted
Auto insurance is just one piece of the au pair insurance puzzle. Take our quiz to see what else you need based on your state.