In California, it is possible for roommates to share a car and related insurance, but there are some important factors to consider. If a roommate will be driving the car at all, even occasionally, they should be added as a driver on the car insurance policy. This is because if the roommate gets into an accident and is not listed on the policy, the vehicle may not be covered. Additionally, if the roommate has a poor driving record or a bad credit score, it may not be beneficial for both parties to share the insurance. It is also important to note that car insurance companies may require a driver to be listed on the policy if they use the vehicle frequently or live in the primary residence listed on the policy.
On the other hand, if the roommate will not be driving the car, it may not be necessary to add them to the insurance policy. However, it is still important to check with the insurance company to ensure that the policy covers any potential accidents that may occur if the roommate is in the car as a passenger.
Overall, while it is possible for roommates to share a car and related insurance in California, it is important to carefully consider the specific circumstances and to check with the insurance company to ensure that the policy provides adequate coverage.