Can you get auto insurance with someone if you are not married?

FREE Auto Insurance Comparison

 Secured with SHA-256 Encryption

Compare quotes from the top auto insurance companies and save!

Things to remember...
  • Different insurance companies have different names for policies that are shared by individuals who are not married to each other
  • A few insurance companies have started policies called Engaged Couple Policies
  • Keep in mind that you need to be living with the person who is on the insurance policy

Married individuals, as well as parents and children, often share the benefit of a joint auto insurance policy. Most companies offer this same benefit to any individuals living at the same address. This could be roommates, parents and adult children, or unmarried couples living together.

These types of policies are fairly new and have only come into play over the last several years.

Even though it seems like this has been the case for awhile, auto insurance companies tend to go the traditional route because, legally, it is easier to define.

To compare auto insurance quotes so you can find a great deal, enter your zip code in the free box now!

Is there a name for this type of auto insurance policy?

worried-couple_71823760-1600x1600-2

Different insurance companies have different names for policies that are shared by individuals who are not married to each other. Some popular names for these types of policies are:

A few insurance companies have started policies called Engaged Couple Policies. This is for couples who may or may not live together. You have to be getting married within 12 months of the engagement.

If that does not happen, the amount of the auto insurance discount you received for the time you were engaged will be added to your account.

If you don’t know what your insurance company calls the policy, or aren’t sure what to ask for, you can just explain your living situation to the insurance company and they can tell you what policies they have that would match. The most critical thing is that you live at the same address.

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

What is necessary for these types of policies to work?

Besides living at the same address, in most cases this is a requirement, there are a few other things necessary for this type of policy to work. Generally, the vehicle needs to be registered in the same name as the name on the lease or mortgage papers.

In some cases, you may have one person who owns the home while the other person owns the vehicle. In this case, both individuals will have to provide proof of residency.

Also, the person with the better driving record will need to be the main person on the policy.

If both drivers have an equally good or equally bad driving record, you can decide who the main person should be based on age and gender.

If both people are over the age of 25, it does not matter who the main person is. If one person is over 25 and the other is not, the older person should be the main person on the policy. If both people are under the age of 25, the woman should be the main person on the policy.

This is due to the fact that people ages 16-25 have higher auto insurance premiums and males in this category have even higher premiums than females in this category.

However, you need to remember that the main person on the policy is the one who will be held financially responsible if the premium is not paid and is the one who can make changes.

What are some of the problems with these types of policies?

adobestock_51089237-1600x1600

The main problem with this type of auto insurance policy is what to do when the two people on the policy no longer live together. At least in a marriage situation, people live together and stay together until a divorce. A divorce is legal and the insurance policy can change based on the legal date of the divorce.

In the case of domestic partners, engaged couples, or roommates, breakups or a change in living arrangements is not a legal situation.

Both individuals may have a different version of events or a different timeline as to when the relationship or living arrangements changed.

The main holder of the policy is the one who can make changes, so this can be difficult if that person does not do the right thing or make the change in a timely manner. It is hard to legally define or defend these types of arrangements.

Comparing auto insurance rates can save you money on your policy. Enter your zip code in the free box below to receive several auto insurance quotes!

FREE Auto Insurance Comparison

Compare quotes from the top auto insurance companies and save!

 Secured with SHA-256 Encryption

[0-9]
[0-9]