Affordable Auto Insurance Quotes for Nannies and Caretakers (2024)
Does my nanny need special car insurance? No, nanny and caretaker auto insurance is not its own business coverage. Nanny car insurance requirements may be limited to disclosing work insurance providers. Caretakers can also get car insurance for business use, i.e. commercial insurance, or they can ask an employer to list them as a driver on their insurance policy.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
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UPDATED: Nov 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 8, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- If you’re nanny or caretaker is using your vehicle, you must disclose this information to your auto insurance company
- Liability coverage follows the driver but is also useful for parents to have for kids
- Some companies allow policyholders to add nannies and caretakers to their coverage
Nanny/Caretaker auto insurance may not be a special coverage you can purchase, but that doesn’t make it any less crucial. Whether you’re the employer or the employee, if you have dependents in the car, a nanny needs to be covered.
The best auto insurance companies for nanny car insurance will have fair rates and extensive liability coverage. Keep reading this guide to learn more about what to look for in a provider to insure your caretaker.
If you’re ready to find an affordable nanny and caretaker auto insurance in your area, use our free tool above. Enter your ZIP code to compare local car insurance quotes.
Do I have to insure my nanny if she’s driving a family car?
If you’re nanny/caretaker is using your car regularly, you will need to disclose this information to your insurance company. (It’s probably best to report it when anyone uses your car for any reason).
Care.com, a trusted nanny and caretaker sourcing agent, suggests that letting the nanny use your (i.e. the parent or guardian) vehicle is best. This way, you know your children are in a safe vehicle.
This may also be the most cost-effective option, as nannies and caretakers can be added to an existing insurance policy. Keep in mind, though, that your premium may change.
What if the nanny or caretaker is driving their own car?
Nanny/caretaker auto insurance companies may not exist, but that type of work can have certain coverage requirements. Tell your insurance who you’re driving, and some details of distance and time spent in the car.
More than likely, they will raise your premiums based on your work. However, you will be covered in the case of an accident.
Check out the table below to see where auto insurance policy rates may start with big-name providers. Keep in mind, your policy could change up to $1,000 per year for extending coverage to other drivers.
| Company | Average Annual Auto Insurance Rates |
|---|---|
| Allstate | $4,533 |
| American Family | $3,699 |
| Farmers | $3,910 |
| Geico | $3,074 |
| Liberty Mutual | $5,296 |
| Nationwide | $3,187 |
| Progressive | $3,935 |
| State Farm | $2,731 |
| Travelers | $3,729 |
| USAA | $2,489 |
Some providers may deny the affordable nanny/caretaker auto insurance add-on, in which case drivers may consider a commercial auto policy. This term doesn’t refer to a fleet of vehicles, but rather a vehicle you use for work.
If you’re not sure how to determine the most affordable option, learn how to compare auto insurance quotes.
Read more: Can I get auto insurance for a car that is used for business purposes?
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Nanny and Caretaker Auto Insurance: The Bottom Line
Buying nanny/caretaker car insurance is as simple as buying regular car insurance. If you are already covered, reach out to your provider to see if they have an option that works for you.
If not, compare insurance quotes before you buy nanny and caretaker auto insurance with our free tool. Enter your ZIP code to get started.
Auto Insurance for Nannies and Caretakers – Frequently Asked Questions
#1 – Do I need to provide auto insurance for a caretaker?
No. But, guardians may want to consider additional liability coverage for their dependents for extra security in the case of an accident.
Parents can also add the nanny driving the kids to an existing insurance policy. If they are covered under your insurance and are using your car, they are 100% covered in an accident.
When do you need to add a nanny to car insurance? You aren’t required to include a caretaker in your insurance, but if your nanny gets hurt in an accident it may be easier to deal with under your own policy.
Note: If a nanny uses their car, they may require reimbursement for gas and mileage.
Frequently Asked Questions
Can nanny and caretaker auto insurance coverage be obtained for part-time workers?
Yes, nanny and caretaker auto insurance coverage can be obtained for part-time workers. Insurance companies typically consider factors such as frequency of car usage and the nature of work when determining coverage options and premiums.
Is it necessary to inform the insurance company if the nanny or caretaker changes vehicles?
Yes, it is necessary to inform the insurance company if the nanny or caretaker changes vehicles. Keeping the insurance company informed about any changes in the vehicle being used helps ensure that the coverage is accurate and up to date.
Can I add a nanny or caretaker to my insurance policy even if they have their own car insurance?
Yes, you can add a nanny or caretaker to your insurance policy even if they have their own car insurance. Adding them as a driver on your policy provides an extra layer of coverage when they drive your vehicle.
What factors should I consider when selecting auto insurance for a nanny or caretaker?
When selecting auto insurance for a nanny or caretaker, consider factors such as liability coverage limits, comprehensive and collision coverage, deductible amounts, and the reputation and customer service of the insurance company.
How often should I review and update my auto insurance policy when employing a nanny or caretaker?
It is recommended to review and update your auto insurance policy when employing a nanny or caretaker at least once a year or whenever there are significant changes in your situation. This ensures that you have appropriate coverage based on your current needs.
Can a nanny or caretaker be covered by insurance while driving their personal vehicle for work-related tasks?
If a nanny or caretaker uses their personal vehicle for work-related tasks, they may need to obtain a commercial auto insurance policy to ensure proper coverage. It’s essential to consult with an insurance professional to determine the appropriate coverage options for such situations.
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Brandon Frady
Licensed Insurance Agent
Brandon Frady has been a licensed insurance agent and insurance office manager since 2018. He has experience in ventures from retail to finance, working positions from cashier to management, but it wasn’t until Brandon started working in the insurance industry that he truly felt at home in his career. In his day-to-day interactions, he aims to live out his business philosophy in how he treats hi...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.