Can I Add My Girlfriend Or Boyfriend To My Car Insurance? (2022)

Advertiser disclosure Adding multiple vehicles to a cable car insurance policy can frequently save you money. If you ’ ve been dating person for a while, you may be wondering, “ Can I add my girlfriend or boyfriend to my car policy ? ” The curtly answer is yes, but it will depend on your situation. In this guidebook, our review team addresses when to add your girlfriend or boyfriend to your car indemnity policy and when not to. We besides discuss some of the best car indemnity companies in the industry. If you ’ rhenium concern in making a transfer to your insurance policy, we recommend getting several car policy quotes from clear providers so you can compare them and find the cheapest car insurance coverage for you.

In this article:

Can I Add My Girlfriend Or Boyfriend To My Car Insurance?

Yes, you can add your girlfriend or boyfriend to your cable car policy. by and large, if you and your significant other live at the like address, your car policy company will consider them a extremity of your family and request that you add your boyfriend or girlfriend to your car insurance policy. If your girlfriend or boyfriend drives your car frequently ( more than 10 to 15 times a class ), you should besides add them to your car insurance policy, even if you do not live together.

What Is Permissive Use?

If your girlfriend or boyfriend does not live with you and infrequently uses your vehicle, she or he might already be covered under your insurance policy ’ s permissive use clause. The article covers people who drive your vehicle less than 10 to 15 times a year and who have your accept to drive your fomite. There are some exceptions to a permissive use clause. If your significant other falls under any of these restrictions, she or he may need to be added as a listed driver on your policy :

  1. Member of household: If your significant other lives with you and plans to drive your vehicle, he or she needs to be added to your insurance policy.
  2. Uninsured: If your girlfriend or boyfriend is uninsured, your insurance company will probably not allow you to grant permissive use to him or her.
  3. Little to no driving experience: If your boyfriend or girlfriend has little to no driving experience, they may not be covered under your permissive use clause.
  4. Business use: If your girlfriend or boyfriend plans to use your car for business purposes, driving your vehicle for that reason may exclude her or him from your permissive use clause.

When Should I Add My Boyfriend Or Girlfriend To My Car Insurance?

Adding your meaning other to your car policy can save money and fuss for a kind of reasons. here are some situations in which it is a dear mind to combine policies :

Your Partner Lives With You

If your girlfriend or boyfriend lives with you and plans to drive your car regularly, she or he should be added to your policy. indemnity companies frequently require that people in your family who will be driving your vehicle be added to your policy.

Your Girlfriend Or Boyfriend Frequently Drives Your Vehicle

Most cable car policy companies require people who drive your vehicle frequently to be added to your policy. “ regular use ” is typically defined by person who drives a vehicle more than 10 to 15 times a year. If your significant other needs to be added to your policy because of regular use, your car indemnity rates will probable be raised. insurance companies sometimes offer multi-line discounts to encourage adding extra people to your policy. so, it is frequently best to share one policy than to pay for two separate policies.

You Each Own A Vehicle

indemnity companies offer multi-car discounts for policies. If your partner owns a vehicle, you could each get a dismiss by combining policies.

Your Boyfriend Or Girlfriend Doesn’t Have Car Insurance

If your girlfriend or boyfriend doesn ’ thyroxine have their own car policy, they will not typically be covered under the permissive use clause of your car indemnity policy, so you should add him or her to your policy.

When Should I Not Add My Boyfriend Or Girlfriend To My Insurance?

Adding your partner to your car indemnity international relations and security network ’ triiodothyronine constantly a smart decision. Below are six reasons to not combine policies.

Your Partner Has A Bad Driving Record

This could significantly raise your rates if add her or him to your policy, as poor drivers are more expensive to insure.

You Don’t Borrow Each Other’s Vehicles Often

You will both likely be covered driving the other ’ randomness fomite under the permissive manipulation article of your insurance policy. If you live together though, it is wise to call your indemnity agent and make surely that this is okay first.

Your Partner Has A Poor Credit Score

Adding your girlfriend or boyfriend to your policy could raise your car policy rates. Car indemnity companies have found a correlation between poor credit scores and the count of insurance claims filed. Because of this, indemnity companies much raise the rates of those with poor people credit scores. however, insurance companies in California, Hawaii, and Massachusetts are not allowed to use credit scores to set insurance rates.

One Of You Drives An Expensive Vehicle

In this character, it might be best to keep your own insurance policies. The rates of the other driver could increase significantly by adding themselves to an existing policy with an expensive vehicle.

Your Partner Has Fewer Than Nine Years Of Driving Experience

Adding him or her to your policy could increase your rates.

Your Partner Has A Recent Accident

Drivers with holocene accidents are considered riskier to insure. If your partner got in an accident within the last three years, they could be seen as a bad driver, and your policy premiums could increase.

How To Add Your Partner To Your Car Insurance

There are basically two different ways you can combine car indemnity policies with your girlfriend, boyfriend, or spouse. You could just call your agent and add them to your existing policy, or you could shop around as a couple and start a newly policy together.

Calling to put an extra driver on your policy is the easiest option, but you have to accept whatever indemnity costs the company sets. On the other hand, you could take time to compare free quotes from unlike policy companies and start a new policy in concert. This lets you see which offers the best multi-vehicle discounts and car policy quotes.

Our Recommended Car Insurance Providers

If you plan to make a change to your car insurance policy, you should shop around to see if you can get a better hand with a different company. hera are three of our top-rated providers.

  USAA State Farm Geico
Overall Rating 5.0 4.5 4.5
AM Best Financial Strength Rating A++ A++ A++
J.D. Power Claims Servicing Score 5 3 3
Usage-Based Insurance
Accident Forgiveness
New Car Replacement  
Multi-Car Discount Varies 20% 25%

Whenever you shop for insurance, we recommend getting quotes from multiple insurers so you can compare brassy car policy coverage choices. In addition to the insurance company you choose, factors such as your age, fomite make and model, and driving history can affect your premium, so what ’ mho best for your neighbor might not be best for you.

FAQ About Car Insurance For Unmarried Couples

Can I add my girlfriend or boyfriend to my car policy ? Yes, you can add your girlfriend or boyfriend to your car insurance. If you live at the lapp address, your car insurance caller will consider them a member of your family. If your girlfriend or boyfriend frequently drives your car ( more than 10 to 15 times a year ), you should besides add them to your car policy policy. Can I add my girlfriend to my USAA car insurance ? USAA allows you to add your girlfriend to your policy. To do thus, your girlfriend must reside at the same address as you. Can you have two indemnity policies on the lapp cable car ? You can technically have two car insurance policies on the same vehicle, but it is not recommended. Double-insuring a fomite may violate the policies of one or both policy companies. Can you have two policies in the lapp family ? Two car insurance policies can be held in the like family for certain reasons. If person in the family owns a classical or luxury cable car, they may need a different car policy policy to cover that specific vehicle. policy companies much require all members of a family who are licensed to be listed on a policy though. Can you have two policies on different vehicles ? It is legal to have two cable car policy policies on different vehicles. A coarse reason to do this is when your aircraft carrier can ’ metric ton provide policy on one of your vehicles, such as a classical car or luxury vehicle. however, having two car indemnity policies on different vehicles broadly costs you more money, so it is not recommended. Can you add an unmarried spouse to your car policy ? Yes, you can add an unmarried partner to your car insurance policy if you live together. You can besides add them if they regularly use your fomite. If they use it for school or work, they have an insurable interest in keeping the car in good condition, which is what the car insurance company looks for. Should I be on my girlfriend ‘s car indemnity ? You should be on your girlfriend ‘s cable car indemnity policy if you live together and if aggregate policies would n’t raise either of your rates. ( This would happen if one of you had a bad drive record or an expensive car. ) You may want to consider it if you drive her car more than once a month.


In an effort to provide accurate and indifferent information to consumers, our technical review team collects data from dozens of car policy providers to formulate rankings of the best insurers. Companies receive a seduce in each of the be categories, angstrom well as an overall weighted grade 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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