Advertiser disclosure Thinking about adding a spouse to your car insurance policy ? In most cases, this is a good theme. indemnity companies expect that drivers will let others borrow their cars, particularly spouses. But what are the benefits to adding your spouse to your car policy, and should you always do it ? This article examines those questions to help you decide. once you ’ re married, it ’ s a good clock time to reassess your car policy options. If you want to find the best car indemnity caller, be sure to shop around and compare quotes. Enter your travel rapidly code below or call (844) 246-8209 to get a few free, personalized quotes for your vehicle.

In this article:

Should You Add A Spouse To Your Insurance Policy?

Most indemnity companies require that you add your spouse to your car insurance policy. You are generally supposed to list all license drivers in your family on your policy. indemnity companies assume these people may regularly use your car. failure to add your spouse to your insurance policy after they move in with you could be a irreverence of your car indemnity reach. If your spouse gets into an accident with your car and wasn ’ metric ton listed on your policy, your claim may be denied. even if you aren ’ deoxythymidine monophosphate required to add your spouse to your indemnity, it is normally worth doing sol for a couple of reasons. The benefits are a little different depending if you and your spouse share a fomite or drive break cars. In both cases, it is normally recommended to be listed on one another ’ mho policies.

My Spouse And I Have One Vehicle We Share

If you and your spouse partake a fomite, your spouse surely needs to be added under your coverage. Your rates are probably to go up when you add another person to your policy, however, this is surely cheaper than buying a moment policy for your spouse. If your spouse has a better drive phonograph record and credit score, you might even consider registering the car in your spouse ’ second name and having them listed as the primary policyholder.

My Spouse And I Have Our Own Vehicles

even if you and your spouse have discriminate vehicles, you should consider getting listed on one another ’ s policies. In this casing, consider purchasing both policies from the lapp insurance company. If you and your partner have different car insurance providers, you should consolidate. Adding a spouse to your policy will probably increase it slightly. however, if you purchase two policies with the like insurance company, you will probable qualify for a multi-car discount rate. You will most likely wage less for your blend policies than you pay individually with offprint policies. additionally, when your insurance company finds out that you are married, there is a fairly chance your rates will decrease. marry people tend to file fewer claims and so broadly can secure lower premiums. finally there is a convenience to having two policies bundled under one account. You can manage your policies in the lapp set and pay your bill together, quite than juggling multiple companies and providers, each of which may have a different claims process and placard bicycle.

How To Add Your Husband Or Wife To Your Car Insurance

If you are fix to add your spouse to your car policy, simply contact your indemnity supplier ( or your spouse ‘s indemnity supplier ) and ask to do so. When you add your spouse to your policy, you can either add your spouse as a policy co-owner or as a listed driver. Co-owners have control over the policy and can themselves file claims, deepen coverage, and pay bills. A list driver is covered by a policy, but can not do any of the above mentioned things. In most cases, there ’ s no reason not to have your spouse listed as a co-owner.

When Not To Add A Spouse

Why wouldn ’ metric ton you add your spouse to your coverage ? One argue may be if they have a very bad driving read. If they are seen as particularly bad to insure, it may be better to have them have their own bad policy. You can specifically exclude a spouse from coverage. however, not all car indemnity companies will allow you to do this. Contact your indemnity aircraft carrier and ask if you are concern in this option. If you decide to list your spouse as an exclude driver, that means they can never drive your fomite.

Top Recommendations For Car Insurance

marriage may ultimately result in lower car insurance premiums, specially if both people have strong drive records. Bundling policies is often cheaper than buying two policies individually, excessively. If you ’ re recently married, it ’ s a bang-up meter to reassess your cable car indemnity options. During your search, consider two providers that performed good in our industry-wide review : USAA and Progressive. enroll your slide fastener code below or call our delegate quotes team at (844) 246-8209 to compare free car indemnity quotes from providers in your area.

Best For Military: USAA

USAA was founded in 1922 and has since grown into one of the largest car indemnity companies in the U.S. in the first place founded by military officers, USAA continues to offer policy and bank products entirely to military service members and their families. If either you or your spouse is eligible for a USAA policy, then you can both get USAA cable car policy after your marriage. If this is an option for you, we recommend getting a quotation mark from the insurance company. USAA is the only car indemnity provider that we rated a broad 5.0 out of 5.0 stars. USAA customers appreciate excellent customer service and a smooth claims processes. In the J.D. Power 2019 U.S. Auto Insurance StudySM overall customer atonement index ( by U.S. region ), USAA scored a fully 5 out of 5 ( “ among the best ” ) in every area. The J.D. Power results are generated by contacting over 40,000 customers. Customers are asked to rank their insurers by the following factors :

  • Interaction
  • Policy offerings
  • Price
  • Billing process
  • Policy information
  • Claims

USAA besides receives top marks from AM Best ( A++ ). It is a ship’s company with solid fiscal establish and a trust repute. To learn more, read our complete USAA car indemnity review.

Best For High-Risk Drivers: Progressive

We pace Progressive indemnity 4.5 out of 5.0 stars. Depending on the discounts for which you are eligible, a progressive policy may be your cheapest option. We think progressive car policy is a peculiarly estimable choice for bad drivers because of offerings like modest and big accident forgiveness. Some of the discounts offered by Progressive include :

  • Good student discount
  • Multiple vehicle discount
  • Multiple policy discount
  • Anti-theft device discount
  • Homeowner discount
  • Continuous coverage discount

We found that Progressive receives a relatively low book of customer complaints through the Better Business Bureau. The ship’s company has a long history of avail, and is a good bet if you can find a policy with the rates you desire. Read our full Progressive car insurance review to learn more.

Frequently Asked Questions

Should I add my wife to my car insurance ? In most cases, you should add your husband or wife to your cable car indemnity policy. Most indemnity companies require that you add your spouse as a driver, and failing to notify your insurance company that you are living with a spouse may result in a deny claim. If your spouse has an particularly poor drive record, adding them to your policy may greatly increase your rates. If this is the subject, you may be able to contact your provider and necessitate to have your spouse listed as an exclude driver. not all car policy companies offer this option, however. At the identical least, you should surely notify your indemnity company that you are living with a spouse. How much does it cost to add my wife to my cable car insurance ? Adding your conserve or your wife to your cable car indemnity will likely increase your premium, but it should be cheaper than having two distinguish policies unless your spouse has a hapless driving history. Married couples by and large pay lower rates per person because research shows that they aren ’ triiodothyronine as likely to file claims. Is it cheaper to add person to your car insurance ? It is normally cheaper to add person to your car insurance than it is for that person to purchase their own policy. Most car policy providers offer multi-car and multi-policy discounts that are advantageous for marital couples. How do I add my wife to my insurance ? If you want to add your conserve or wife to your insurance, simply notify your car indemnity supplier. Call your supplier ’ second customer service department and ask to have your spouse included as a listed driver on your policy policy.


In an effort to provide accurate and indifferent information to consumers, our expert review team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, adenine well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.

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