primary driver

A primary driver in auto insurance is the person who most often operates an insured vehicle. The primary driver may be the vehicle owner, policyholder, or another listed household member, depending on who has the greatest regular use of the vehicle. Insurers consider the primary driver's age, location, driving record, type of vehicle use, and other factors to help determine eligibility, coverage terms, and premium. Inaccurate information can affect insurance underwriting, pricing, or claim response.