Will it cost a lot to add a driver to my insurance?

I'm 23 and drive a 2017 Ford Escape (base model). I'm insuranced through geico and have been for about 3 years now. I have been accident free and my monthly premium is 88 dollars a month. Due to finance problems my mom agreed to take over my car loan and in return drive her car which is a 2012 Honda Civic which I have done so many times. But I'm still required to keep insurance on the Escape as the car is still in my name. Considering she's in her fifties and been accident free for 30 Plus years will my rate go up?

Play dumb. If there's an accident with your mother… It is a one time "drive".

"Due to finance problems my mom agreed to take over my car loan".

Did you and your mom receive approval from your lender to do so? If not, you don't have the legally authority to make such a change. You, and only you, have a legally binding contract and responsibility with your lender. Not your mom, nor anyone else, can simply take over payments without the lender's authorized approval to do so.

If you are only paying $ 88 per month for FULL coverage ( unless you purchased the Ford w/cash ), then you are getting a bargain

In this case, maybe not. Your rate might even go down. Having no drivers 25 or older can drive up the price of insurance a lot. If you are the only driver right now, then you are paying a very high rare, because you are 23. Adding a driver who is 25 or older could lower the rate.

Ask Geico, dummy. Unlike any answer you get in here, their answer won't be a completely blind guess.

Don't know

You will have to ask your insurance company. How would anyone else know?

First, if I understand correctly and if Mom will be the principal driver then the rate will be based on her… Not you. Your company may not even insure the car that way, since presumably, Mom has no insurable interest in your car.
You MUST speak with your agent about this.

Have you considered to just leave things as they are? Mom will still be insured driving the Escape if she just drives it "Occasionally". And you will still be insured driving the Honda… "Occasionally". Wink, wink.

You should have added your mom when you first took the policy out. Having an older experienced driver with a good rcord is a good way to REDUCE your insurance.

Not much.

Wish i could only pay $88 a month you lucky mofo!