Best Auto Insurance Companies That Don’t Require Spouses To Be on the Same Policy (2021)

Affordable auto insurance companies that don't require spouses to be on the same policy have rates around $2,000/yr or $166/mo. There are many situations where it makes sense for you and your spouse to be on the same policy, but if your spouse has a poor driving record, it may be cheaper for you to find auto insurance companies that don't require spouses to be on the same policy.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Sep 29, 2021

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Things to Remember

  • It’s smart to tell your insurer when you get married
  • There are options to exclude spouses from your policy
  • Some states require spouses to be considered when calculating auto insurance rates

When you get married, you face the addition of a new driver to your auto insurance policy. However, if this person has a poor driving record and credit history, then you may soon pay more for your auto insurance.

While this can keep you from getting cheap auto insurance rates, you have options.

Do married couples have to be on the same car insurance policy? No, and you may be able to find rates for auto insurance companies that don’t require spouses to be on the same policy.

If you’re looking for affordable auto insurance companies that don’t require spouses to be on the same policy, enter your ZIP code into our free quote tool.

Auto Insurance Companies That Don’t Require Spouses to Be On the Same Policy

Typically, auto insurance companies operate under the policy of “permissive use,” which means anyone under your roof’s risk level is considered when you’re getting a new policy. If someone has a policy with permissive use, their roommate or spouse could cause their rates to go up.

Married couples don’t typically have to combine auto insurance policies. If you’re not concerned with permissive use influencing your policy, you can likely get coverage from any major insurer.

Below are some examples of rates one might pay for insurance while married and single, across varying ages. This data examines average annual rates from eight of the most popular companies in the country.

Average Annual Auto Insurance Rates by Marital Status and Age
CompaniesMarried 35-year-old Annual RateMarried 60-year-old Annual RateSingle 17-year-old Annual RateSingle 25-year-old Annual Rate
Allstate$2,740.02$2,507.60$10,484.90$2,955.90
Depositors$2,785.97$2,533.60$5,640.58$2,952.88
Geico$2,840.18$2,771.26$6,926.07$2,434.84
Mid-Century$2,755.44$2,462.45$7,395.41$3,016.88
Progressive$3,231.09$2,901.06$7,548.71$3,642.19
Safeco$1,021.71$999.67$2,064.28$1,218.77
State Farm$1,640.33$1,439.41$4,814.65$1,776.55
USAA$1,280.16$1,139.97$4,103.59$1,603.83
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As you can see, spouses who share auto insurance coverage will save on their policy. The older they get, the more they’ll save on their auto insurance.

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Do married couples have to be on the same auto insurance policy?

Does my spouse need to be on my auto insurance? Not usually, but each state and insurer will regulate who they consider as a risk under the policy.

If you get a quote from one of these insurers and your spouse raises some red flags, you’re likely to find that your rates are higher than you’d expected.

That being said, it shouldn’t be too hard to find auto insurance companies that don’t require spouses to be on the same policy.

When to Consider Separate Insurers

There are several reasons why someone might not want to get an auto insurance policy with their spouse. Some of the reasons to consider separate auto insurance policies might include:

  • The spouse has a poor credit score.
  • The spouse has a poor driving record.
  • One individual’s car is much more expensive to insure.
  • Someone uses their vehicle far more frequently than the other person.

These are just a few examples and you may have a completely different reason for wanting separate policies. That being said, it’s always smart to consider what will save you the most money in the long run.

Auto Insurance Named-Driver Exclusions

If you don’t want your spouse to be considered on your policy at all, you can do what’s called a named-driver exclusion. This will state to your insurer that the named person won’t ever drive your vehicle.

If an excluded person does get behind the wheel and gets in a crash, your insurance won’t cover it and you’ll likely have to pay out of pocket for all resulting damages. Because of this, it’s important to make sure that the person you’ve excluded never drives your car.

State Limitations on Auto Insurance Exclusions

Some states do not allow these types of exclusions and prefer for all risk factors to be considered in a policy. Other states allow for named exclusions, but apply restrictions on how they can be used. North Carolina, for example, won’t let you exclude your spouse.

Each state decides its insurance requirements as well as restrictions. This is often done to protect the insured from financial or physical harm. The states that don’t allow named exclusions likely do so to prevent accidents and legal mayhem plaguing insurers.

Combining Auto Insurance After Marriage

If you’ve recently gotten married, then there’s a good chance that your life is currently going through a lot of changes. This is especially the case in terms of finances, with some benefits and new responsibilities coming with the marriage.

The Insurance Information Institute has suggestions for what to do with your auto insurance policy when you marry.

If you and your spouse are on two separate policies when you get married, you’re free to continue using those individual policies. But do so knowing that you might potentially be missing out on a good deal of savings.

Benefits of Adding Your Spouse to Your Policy

Typically, married individuals are considered to be less of a risk than their single counterparts. Married couples are traditionally less likely to file a auto insurance claim, so your rates are sure to go down after you tie the knot. With the exclusion of a bad driving history or poor credit rating, of course.

Some examples of the benefits of combining your insurance include:

  • Lower monthly rates
  • Fewer bills to worry about
  • Insure multiple vehicles for less

On top of these, some insurers will allow you to bundle other types of insurance like home, motorcycle, RV, etc., for even more savings.

Do auto insurance companies ask for proof of marriage?

Whether or not you’re going to include them on your policy, your insurer will likely want to know when you get married. It’s a smart idea to tell your agent so you can either start earning your married discount or get in the process of filing a named exclusion.

Whether or not your insurer will require your actual marriage certificate will likely depend on the state and insurer. However, if they do request documents, prepare to have paperwork ready such as:

  • Both spouses’ Social Security cards
  • Completed marriage certificate

Some common-law marriages will also be recognized by car insurers, but you’ll likely have to supply proof such as joint bank statements, an affidavit, or something similar.

Auto Insurance Companies That Don’t Require Spouses to Be On the Same Policy: The Bottom Line

Some insurers will require that you notify them about your spouse because it’s assumed that spouses share their vehicles. If your spouse has a bad credit or driving history, then your rates may go up. However, if both drivers have good histories, then you likely will save substantially.

If you’re looking for quotes from auto insurance companies that don’t require spouses to be on the same policy, enter your ZIP code into our free quote tool.

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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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