Short answer: A named driver exclusion removes coverage when a specific person drives your car. It's sometimes used to keep a high-risk household member off the policy. Arizona, California, Florida, Michigan and Maine allow these exclusions by written agreement or authorization, Maryland requires insurers to offer one instead of canceling in some cases, and New Jersey's version applies to physical damage coverage. If the excluded person drives anyway, the policy may not cover the crash.
An exclusion can leave you personally exposed if the excluded person drives your car. Read the exclusion form carefully before signing.
The table
| State | When it's allowed | Effect | Source |
|---|---|---|---|
| Arizona | Allowed by written agreement between the named insured and the insurer, for people designated by name when driving | The exclusion carries over at each renewal until the insurer agrees in writing to cover the excluded person | A.R.S. §28-4009(A)(3) |
| California | The insurer and named insured may agree, in the policy or a separate writing, that coverage doesn't apply while a vehicle is driven by a person designated by name | Binding on every insured and third-party claimant; applies to any use of a vehicle, including negligent entrustment to the excluded driver | Cal. Ins. Code §11580.1(d)(1) |
| Florida | A private passenger auto policy may exclude an identified person who isn't a named insured, if they're named on the declarations page or by endorsement and the named insured consents in writing | Coverages that may be excluded include PIP for that person's injuries, property damage liability, bodily injury liability and uninsured motorist coverage for that person's damages | Fla. Stat. §627.747 |
| Louisiana | You and your insurer can agree in writing to exclude the named insured, their spouse, or any other named person living in the household when the agreement is signed. The excluded person doesn't have to sign | The exclusion stays in effect even if that person later moves out, and the signed form lasts for the life of the policy, including renewals, reinstatements and changes such as added vehicles or drivers | La. R.S. 32:900(L) |
| Maine | Allowed only for a specific, named individual, agreed to in writing by the policyholder and insurer, and only where the insurer can show the driver did something that would justify cancellation or nonrenewal | The insurer must use a filed, approved endorsement, and the policyholder's evidence of insurance must list any excluded person (Bureau of Insurance Bulletin 491 on 24-A M.R.S. §2916-B) | Maine Bureau of Insurance Bulletin 491 |
| Maryland | When an insurer could cancel, nonrenew or raise premiums on a private passenger policy because of one (but not all) insureds' record, it must instead offer to continue the policy with that person specifically excluded | Coverage is excluded when the named excluded driver operates a covered vehicle, with or without permission; premiums can't reflect the excluded driver's claims or driving record | Md. Code, Ins. §27-609 |
| Michigan | If the insured authorizes it, liability coverage may be excluded when a vehicle is operated by a named person | Valid only with the required warning on the policy or declarations and the certificate of insurance: when the named excluded person drives, all liability coverage is void, and owners and others legally responsible remain fully personally liable | MCL §500.3009(2) |
| New Jersey | Insurers must file an approved endorsement letting the named insured exclude a household driver from physical damage coverage; the election must be in writing on the commissioner's form | If the named excluded driver is operating at the time of an accident, the physical damage claim for that car is denied; premiums can't reflect that driver's record, and the endorsement continues at renewal until discontinued in writing | N.J.S.A. §17:28-8 |
| Oregon | A policy may exclude by name any person other than the named insured from the required liability coverage, but only because of that person's driving record or for reasons the Department of Consumer and Business Services sets by rule | The insurer must get a statement or endorsement signed by every named insured confirming there's no required coverage when the excluded person drives | ORS 742.450(6)-(7) |
| Texas | Named driver policies are banned except operator's policies; an exclusion is allowed only if it names each excluded driver and the named insured accepts it in writing | An exclusion can't cover a whole class of drivers | Tex. Ins. Code §1952.353 |
We list only states where we read the official text ourselves in October 2026. A state that is missing is not covered here; check that state's statute or insurance department.
Before you sign an exclusion
- Make sure the excluded person won't drive your car, and keep keys out of reach.
- The excluded driver needs their own coverage to drive legally. See non-owner car insurance.
- Ask how to remove the exclusion later. In Arizona it stays in place until the insurer agrees in writing.
See the state insurance rules hub.
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Methodology
Each row was read from the official source linked in the Source column in October 2026. This is general information, not legal advice. See also the state insurance rules hub.
Frequently asked questions
What is a named driver exclusion?
A written agreement that the policy won't cover a specific person, named in the policy, while they drive.
Is a named driver exclusion allowed in California?
Yes. Cal. Ins. Code §11580.1(d) lets the insurer and named insured agree that coverage won't apply while a named person drives, including for negligent entrustment.
What can be excluded in Florida?
Fla. Stat. §627.747 lists PIP for the excluded person, property damage liability, bodily injury liability and uninsured motorist coverage for that person, among others.
Alishahi Insurance · 439 N Canon Dr, Penthouse, Beverly Hills, CA 90210 · (877) 711-4545 · CA License #4348151. General information only. Not legal, tax or financial advice, and not a coverage determination. Coverage depends on policy language and underwriting, and rules vary by state.